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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 | $45,186 | $106,749-57.7% | $145,433-68.9% | $82,448-45.2% |
| Participation rate | 35.2% | 75.6%-40.4pp | 82.1%-46.9pp | 68.1%-32.9pp |
| Annual return | 20.45% | 27.59%-7.1pp | 66.58%-46.1pp | 41.64%-21.2pp |
| Employer contribution / active EE | $2,160 | $3,444-37.3% | $4,554-52.6% | $2,551-15.3% |
| Participant deferral / active EE | $3,523 | $6,519-46.0% | $7,897-55.4% | $4,139-14.9% |
| Admin fee / account holder | $1,170 | $8,390-86.0% | $13,129-91.1% | $7,234-83.8% |