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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 | $42,553 | $72,272-41.1% | $101,264-58.0% | $79,858-46.7% |
| Participation rate | 46.7% | 68.5%-21.8pp | 75.8%-29.1pp | 69.6%-23.0pp |
| Annual return | 28.48% | 22.30%+6.2pp | 46.48%-18.0pp | 31.72%-3.2pp |
| Employer contribution / active EE | $1,225 | $2,692-54.5% | $3,660-66.5% | $2,471-50.4% |
| Participant deferral / active EE | $3,129 | $3,282-4.6% | $4,370-28.4% | $3,740-16.3% |
| Admin fee / account holder | $4,171 | $4,401-5.2% | $5,947-29.9% | $5,306-21.4% |