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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 | $39,104 | $88,370-55.8% | $112,977-65.4% | $79,856-51.0% |
| Participation rate | 41.4% | 76.8%-35.4pp | 82.6%-41.2pp | 69.6%-28.3pp |
| Annual return | 15.59% | 23.16%-7.6pp | 24.24%-8.7pp | 31.71%-16.1pp |
| Employer contribution / active EE | $1,355 | $3,398-60.1% | $4,255-68.2% | $2,471-45.2% |
| Participant deferral / active EE | $5,000 | $4,536+10.2% | $5,836-14.3% | $3,741+33.7% |
| Admin fee / account holder | $2,693 | $5,750-53.2% | $6,294-57.2% | $5,306-49.2% |