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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 | $35,657 | $73,787-51.7% | $98,716-63.9% | $82,448-56.8% |
| Participation rate | 48.0% | 61.4%-13.4pp | 69.3%-21.3pp | 68.1%-20.1pp |
| Annual return | 20.76% | 18.57%+2.2pp | 31.81%-11.1pp | 41.64%-20.9pp |
| Employer contribution / active EE | $2,263 | $1,511+49.7% | $2,279-0.7% | $2,551-11.3% |
| Participant deferral / active EE | $5,629 | $3,081+82.7% | $4,048+39.1% | $4,139+36.0% |
| Admin fee / account holder | $1,708 | $6,500-73.7% | $8,703-80.4% | $7,234-76.4% |