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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 | $50,589 | $57,140-11.5% | $85,240-40.7% | $80,959-37.5% |
| Participation rate | 26.9% | 56.4%-29.5pp | 67.5%-40.6pp | 67.7%-40.7pp |
| Annual return | 13.07% | 21.71%-8.6pp | 66.75%-53.7pp | 35.67%-22.6pp |
| Employer contribution / active EE | $1,264 | $1,802-29.8% | $2,735-53.8% | $2,757-54.1% |
| Participant deferral / active EE | $2,819 | $3,115-9.5% | $4,527-37.7% | $4,300-34.4% |
| Admin fee / account holder | $6,298 | $4,992+26.2% | $6,165+2.2% | $6,925-9.1% |