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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 | $39,682 | $67,411-41.1% | $91,004-56.4% | $70,126-43.4% |
| Participation rate | 48.5% | 71.4%-22.9pp | 75.6%-27.1pp | 69.5%-21.1pp |
| Annual return | 16.90% | -40.16%+57.1pp | 4.60%+12.3pp | 73.15%-56.2pp |
| Employer contribution / active EE | $1,170 | $1,786-34.5% | $2,456-52.4% | $2,343-50.1% |
| Participant deferral / active EE | $3,105 | $2,823+10.0% | $3,548-12.5% | $3,332-6.8% |
| Admin fee / account holder | $3,650 | $4,236-13.8% | $5,417-32.6% | $4,645-21.4% |