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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 | $56,402 | $81,476-30.8% | $102,383-44.9% | $80,925-30.3% |
| Participation rate | 39.3% | 66.8%-27.6pp | 74.5%-35.2pp | 67.7%-28.4pp |
| Annual return | 11.45% | 25.59%-14.1pp | 24.94%-13.5pp | 35.65%-24.2pp |
| Employer contribution / active EE | $1,779 | $3,105-42.7% | $3,870-54.0% | $2,756-35.4% |
| Participant deferral / active EE | $3,477 | $3,871-10.2% | $5,060-31.3% | $4,299-19.1% |
| Admin fee / account holder | $5,914 | $6,717-12.0% | $8,391-29.5% | $6,940-14.8% |