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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 | $42,021 | $49,976-15.9% | $66,674-37.0% | $82,637-49.1% |
| Participation rate | 41.9% | 63.1%-21.2pp | 73.7%-31.7pp | 68.1%-26.1pp |
| Annual return | 17.34% | 39.09%-21.8pp | 321.24%-303.9pp | 53.51%-36.2pp |
| Employer contribution / active EE | $474 | $1,988-76.2% | $2,620-81.9% | $2,552-81.4% |
| Participant deferral / active EE | $1,966 | $2,847-30.9% | $4,084-51.9% | $4,126-52.3% |
| Admin fee / account holder | $2,311 | $4,594-49.7% | $5,098-54.7% | $7,339-68.5% |