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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 | $47,203 | $77,814-39.3% | $158,223-70.2% | $86,983-45.7% |
| Participation rate | 62.3% | 68.4%-6.2pp | 79.2%-16.9pp | 69.5%-7.3pp |
| Annual return | 19.10% | 30.54%-11.4pp | 52.09%-33.0pp | 25.83%-6.7pp |
| Employer contribution / active EE | $1,207 | $2,592-53.4% | $4,109-70.6% | $2,584-53.3% |
| Participant deferral / active EE | $3,045 | $3,270-6.9% | $5,467-44.3% | $4,194-27.4% |
| Admin fee / account holder | $1,615 | $5,879-72.5% | $16,047-89.9% | $7,856-79.4% |