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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 | $46,031 | $73,978-37.8% | $96,515-52.3% | $75,173-38.8% |
| Participation rate | 53.3% | 66.4%-13.1pp | 74.3%-21.0pp | 67.2%-13.9pp |
| Annual return | 16.91% | 26.72%-9.8pp | 35.73%-18.8pp | 160.72%-143.8pp |
| Employer contribution / active EE | $2,324 | $2,931-20.7% | $3,740-37.9% | $2,671-13.0% |
| Participant deferral / active EE | $4,171 | $3,660+14.0% | $4,880-14.5% | $4,126+1.1% |
| Admin fee / account holder | $3,416 | $5,219-34.5% | $6,735-49.3% | $5,651-39.5% |