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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 | $58,547 | $63,764-8.2% | $81,926-28.5% | $79,858-26.7% |
| Participation rate | 38.8% | 67.5%-28.8pp | 72.0%-33.2pp | 69.6%-30.9pp |
| Annual return | 12.84% | 22.66%-9.8pp | 29.49%-16.7pp | 31.72%-18.9pp |
| Employer contribution / active EE | $1,110 | $1,795-38.2% | $4,310-74.2% | $2,471-55.1% |
| Participant deferral / active EE | $2,107 | $2,780-24.2% | $7,108-70.4% | $3,740-43.7% |
| Admin fee / account holder | $3,514 | $4,426-20.6% | $5,159-31.9% | $5,306-33.8% |