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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 | $45,694 | $174,018-73.7% | $136,833-66.6% | $198,609-77.0% |
| Participation rate | 53.8% | 65.1%-11.3pp | 59.0%-5.2pp | 82.4%-28.5pp |
| Annual return | 18.95% | 35.16%-16.2pp | 35.32%-16.4pp | 202.70%-183.7pp |
| Employer contribution / active EE | $783 | $1,571-50.2% | $1,319-40.6% | $5,055-84.5% |
| Participant deferral / active EE | $4,338 | $2,873+51.0% | $2,441+77.7% | $6,977-37.8% |
| Admin fee / account holder | $531 | $5,434-90.2% | $4,706-88.7% | $19,030-97.2% |