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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 | $57,745 | $106,524-45.8% | $152,301-62.1% | $87,485-34.0% |
| Participation rate | 55.0% | 75.8%-20.8pp | 82.4%-27.4pp | 68.9%-13.9pp |
| Annual return | 19.79% | 26.89%-7.1pp | 80.50%-60.7pp | 26.06%-6.3pp |
| Employer contribution / active EE | $1,394 | $3,371-58.7% | $4,624-69.9% | $2,596-46.3% |
| Participant deferral / active EE | $3,957 | $6,525-39.4% | $8,004-50.6% | $4,274-7.4% |
| Admin fee / account holder | $777 | $8,287-90.6% | $14,398-94.6% | $7,775-90.0% |