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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 | $52,677 | $73,978-28.8% | $96,515-45.4% | $75,173-29.9% |
| Participation rate | 54.1% | 66.4%-12.4pp | 74.3%-20.3pp | 67.2%-13.1pp |
| Annual return | 18.95% | 26.72%-7.8pp | 35.73%-16.8pp | 160.72%-141.8pp |
| Employer contribution / active EE | $1,810 | $2,931-38.2% | $3,740-51.6% | $2,671-32.2% |
| Participant deferral / active EE | $3,281 | $3,660-10.4% | $4,880-32.8% | $4,126-20.5% |
| Admin fee / account holder | $1,719 | $5,219-67.1% | $6,735-74.5% | $5,651-69.6% |