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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 | $39,013 | $48,078-18.9% | $78,676-50.4% | $62,881-38.0% |
| Participation rate | 48.0% | 65.2%-17.2pp | 73.6%-25.6pp | 69.3%-21.3pp |
| Annual return | 7.98% | 31.36%-23.4pp | 62.19%-54.2pp | 20.14%-12.2pp |
| Employer contribution / active EE | $1,265 | $2,015-37.2% | $2,850-55.6% | $2,281-44.5% |
| Participant deferral / active EE | $2,854 | $2,587+10.3% | $3,517-18.9% | $3,203-10.9% |
| Admin fee / account holder | $1,716 | $3,206-46.5% | $4,510-61.9% | $4,296-60.1% |