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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 | $45,116 | $71,208-36.6% | $93,681-51.8% | $80,911-44.2% |
| Participation rate | 32.4% | 60.4%-28.0pp | 68.7%-36.3pp | 67.6%-35.2pp |
| Annual return | 14.45% | 11.27%+3.2pp | 133.47%-119.0pp | 35.63%-21.2pp |
| Employer contribution / active EE | $1,792 | $1,564+14.6% | $2,422-26.0% | $2,756-35.0% |
| Participant deferral / active EE | $3,345 | $4,035-17.1% | $4,415-24.2% | $4,297-22.2% |
| Admin fee / account holder | $2,268 | $6,951-67.4% | $8,290-72.6% | $6,935-67.3% |