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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 | $51,821 | $116,167-55.4% | $64,489-19.6% | $137,256-62.2% |
| Participation rate | 38.9% | 68.2%-29.3pp | 67.7%-28.8pp | 80.0%-41.1pp |
| Annual return | 13.93% | 36.55%-22.6pp | 55.03%-41.1pp | 220.34%-206.4pp |
| Employer contribution / active EE | $1,362 | $2,483-45.1% | $1,523-10.6% | $4,156-67.2% |
| Participant deferral / active EE | $2,803 | $4,215-33.5% | $2,778+0.9% | $6,407-56.3% |
| Admin fee / account holder | $7,700 | $6,188+24.4% | $4,260+80.7% | $12,270-37.3% |