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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 | $44,452 | $81,262-45.3% | $155,602-71.4% | $80,911-45.1% |
| Participation rate | 38.2% | 66.2%-28.0pp | 78.2%-40.0pp | 67.6%-29.4pp |
| Annual return | 14.86% | 33.34%-18.5pp | 64.81%-50.0pp | 35.63%-20.8pp |
| Employer contribution / active EE | $1,019 | $3,102-67.2% | $4,675-78.2% | $2,756-63.0% |
| Participant deferral / active EE | $2,908 | $3,451-15.8% | $5,629-48.3% | $4,297-32.3% |
| Admin fee / account holder | $681 | $7,992-91.5% | $15,923-95.7% | $6,935-90.2% |