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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 | $64,920-35.3% | $103,693-59.5% | $86,983-51.7% |
| Participation rate | 41.9% | 63.6%-21.7pp | 72.6%-30.7pp | 69.5%-27.6pp |
| Annual return | 17.34% | 30.29%-13.0pp | 47.61%-30.3pp | 25.83%-8.5pp |
| Employer contribution / active EE | $474 | $2,141-77.9% | $2,920-83.8% | $2,584-81.7% |
| Participant deferral / active EE | $1,966 | $3,241-39.3% | $4,579-57.1% | $4,194-53.1% |
| Admin fee / account holder | $2,311 | $6,191-62.7% | $7,858-70.6% | $7,856-70.6% |