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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 | $49,316 | $86,940-43.3% | $102,434-51.9% | $80,935-39.1% |
| Participation rate | 56.9% | 72.4%-15.4pp | 76.5%-19.6pp | 67.7%-10.7pp |
| Annual return | 13.94% | 18.89%-5.0pp | 29.46%-15.5pp | 35.66%-21.7pp |
| Employer contribution / active EE | $2,118 | $2,370-10.6% | $3,023-30.0% | $2,757-23.2% |
| Participant deferral / active EE | $4,741 | $4,121+15.1% | $5,055-6.2% | $4,299+10.3% |
| Admin fee / account holder | $6,694 | $8,047-16.8% | $9,462-29.3% | $6,924-3.3% |