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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 | $49,365 | $81,504-39.4% | $102,437-51.8% | $80,959-39.0% |
| Participation rate | 54.5% | 66.9%-12.3pp | 74.5%-20.0pp | 67.7%-13.1pp |
| Annual return | 12.65% | 25.60%-12.9pp | 24.95%-12.3pp | 35.67%-23.0pp |
| Employer contribution / active EE | $1,745 | $3,104-43.8% | $3,871-54.9% | $2,757-36.7% |
| Participant deferral / active EE | $3,363 | $3,871-13.1% | $5,060-33.5% | $4,300-21.8% |
| Admin fee / account holder | $903 | $6,719-86.6% | $8,388-89.2% | $6,925-87.0% |