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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 | $46,640 | $81,358-42.7% | $155,556-70.0% | $80,959-42.4% |
| Participation rate | 40.0% | 66.3%-26.3pp | 78.2%-38.2pp | 67.7%-27.7pp |
| Annual return | 11.08% | 33.39%-22.3pp | 64.84%-53.8pp | 35.67%-24.6pp |
| Employer contribution / active EE | $1,268 | $3,106-59.2% | $4,675-72.9% | $2,757-54.0% |
| Participant deferral / active EE | $1,745 | $3,455-49.5% | $5,631-69.0% | $4,300-59.4% |
| Admin fee / account holder | $1,971 | $7,994-75.3% | $15,885-87.6% | $6,925-71.5% |