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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,233 | $53,774-21.5% | $134,162-68.5% | $79,852-47.1% |
| Participation rate | 41.0% | 58.8%-17.7pp | 72.2%-31.2pp | 69.6%-28.6pp |
| Annual return | 15.71% | 19.01%-3.3pp | 36.35%-20.6pp | 31.72%-16.0pp |
| Employer contribution / active EE | $542 | $1,322-59.0% | $3,705-85.4% | $2,471-78.1% |
| Participant deferral / active EE | $1,257 | $2,420-48.0% | $3,500-64.1% | $3,740-66.4% |
| Admin fee / account holder | $362 | $3,985-90.9% | $6,685-94.6% | $5,306-93.2% |