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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 | $41,420 | $68,868-39.9% | $183,328-77.4% | $67,986-39.1% |
| Participation rate | 51.6% | 57.0%-5.4pp | 77.3%-25.7pp | 57.2%-5.6pp |
| Annual return | 14.14% | 28.80%-14.7pp | 29.67%-15.5pp | 31.67%-17.5pp |
| Employer contribution / active EE | $1,481 | $2,917-49.2% | $5,055-70.7% | $2,019-26.7% |
| Participant deferral / active EE | $2,909 | $4,364-33.3% | $6,795-57.2% | $3,358-13.4% |
| Admin fee / account holder | $3,958 | $3,805+4.0% | $21,427-81.5% | $3,203+23.6% |