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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 | $39,404 | $93,055-57.7% | $153,741-74.4% | $80,959-51.3% |
| Participation rate | 49.2% | 69.0%-19.8pp | 77.1%-27.9pp | 67.7%-18.5pp |
| Annual return | 13.12% | 19.97%-6.9pp | 15.71%-2.6pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,717 | $3,504-51.0% | $5,042-66.0% | $2,757-37.7% |
| Participant deferral / active EE | $3,063 | $5,172-40.8% | $6,757-54.7% | $4,300-28.8% |
| Admin fee / account holder | $3,253 | $8,881-63.4% | $12,749-74.5% | $6,925-53.0% |