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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 | $41,954 | $23,330+79.8% | $64,489-34.9% | $82,448-49.1% |
| Participation rate | 20.0% | 68.3%-48.3pp | 67.7%-47.7pp | 68.1%-48.1pp |
| Annual return | 18.35% | 83.66%-65.3pp | 55.03%-36.7pp | 41.64%-23.3pp |
| Employer contribution / active EE | $305 | $824-63.0% | $1,523-80.0% | $2,551-88.1% |
| Participant deferral / active EE | $1,513 | $1,707-11.4% | $2,778-45.5% | $4,139-63.4% |
| Admin fee / account holder | $2,292 | $2,946-22.2% | $4,260-46.2% | $7,234-68.3% |