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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 | $40,221 | $59,440-32.3% | $78,004-48.4% | $82,637-51.3% |
| Participation rate | 45.6% | 62.8%-17.2pp | 69.4%-23.9pp | 68.1%-22.5pp |
| Annual return | 21.80% | 40.24%-18.4pp | 31.07%-9.3pp | 53.51%-31.7pp |
| Employer contribution / active EE | $1,152 | $1,750-34.2% | $2,469-53.3% | $2,552-54.9% |
| Participant deferral / active EE | $3,465 | $3,138+10.4% | $4,092-15.3% | $4,126-16.0% |
| Admin fee / account holder | $9,376 | $5,504+70.3% | $7,578+23.7% | $7,339+27.8% |