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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 | $40,504 | $81,276-50.2% | $155,574-74.0% | $80,925-49.9% |
| Participation rate | 40.4% | 66.2%-25.9pp | 78.2%-37.9pp | 67.7%-27.3pp |
| Annual return | 13.37% | 33.36%-20.0pp | 64.87%-51.5pp | 35.65%-22.3pp |
| Employer contribution / active EE | $1,443 | $3,103-53.5% | $4,676-69.1% | $2,756-47.6% |
| Participant deferral / active EE | $2,611 | $3,453-24.4% | $5,629-53.6% | $4,299-39.3% |
| Admin fee / account holder | $2,319 | $7,993-71.0% | $15,914-85.4% | $6,940-66.6% |