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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 | $52,722 | $80,992-34.9% | $96,534-45.4% | $75,173-29.9% |
| Participation rate | 38.0% | 71.8%-33.8pp | 76.0%-38.0pp | 67.2%-29.2pp |
| Annual return | 17.81% | 27.05%-9.2pp | 25.88%-8.1pp | 160.72%-142.9pp |
| Employer contribution / active EE | $1,076 | $2,283-52.9% | $2,965-63.7% | $2,671-59.7% |
| Participant deferral / active EE | $1,877 | $3,929-52.2% | $4,851-61.3% | $4,126-54.5% |
| Admin fee / account holder | $2,495 | $6,717-62.9% | $8,253-69.8% | $5,651-55.8% |