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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 | $58,868-29.6% | $191,597-78.4% | $64,097-35.4% |
| Participation rate | 51.6% | 50.0%+1.6pp | 76.9%-25.3pp | 55.2%-3.6pp |
| Annual return | 14.14% | 31.54%-17.4pp | 27.07%-12.9pp | 34.64%-20.5pp |
| Employer contribution / active EE | $1,481 | $2,243-34.0% | $5,025-70.5% | $1,891-21.7% |
| Participant deferral / active EE | $2,909 | $3,724-21.9% | $6,850-57.5% | $3,080-5.5% |
| Admin fee / account holder | $3,958 | $4,871-18.7% | $22,799-82.6% | $3,454+14.6% |