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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 | $50,590 | $81,504-37.9% | $102,437-50.6% | $80,959-37.5% |
| Participation rate | 40.5% | 66.9%-26.3pp | 74.5%-34.0pp | 67.7%-27.1pp |
| Annual return | 15.11% | 25.60%-10.5pp | 24.95%-9.8pp | 35.67%-20.6pp |
| Employer contribution / active EE | $1,893 | $3,104-39.0% | $3,871-51.1% | $2,757-31.3% |
| Participant deferral / active EE | $3,439 | $3,871-11.2% | $5,060-32.0% | $4,300-20.0% |
| Admin fee / account holder | $2,259 | $6,719-66.4% | $8,388-73.1% | $6,925-67.4% |