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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 | $44,883 | $66,275-32.3% | $163,379-72.5% | $64,097-30.0% |
| Participation rate | 42.4% | 54.1%-11.7pp | 76.8%-34.4pp | 55.2%-12.8pp |
| Annual return | 41.98% | 32.72%+9.3pp | 63.41%-21.4pp | 34.64%+7.3pp |
| Employer contribution / active EE | $677 | $1,521-55.5% | $3,752-82.0% | $1,891-64.2% |
| Participant deferral / active EE | $1,431 | $3,126-54.2% | $6,282-77.2% | $3,080-53.5% |
| Admin fee / account holder | $5,038 | $4,569+10.3% | $9,818-48.7% | $3,454+45.8% |