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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 | $48,495 | $81,457-40.5% | $103,378-53.1% | $80,911-40.1% |
| Participation rate | 30.7% | 66.8%-36.2pp | 74.5%-43.8pp | 67.6%-37.0pp |
| Annual return | 13.34% | 25.58%-12.2pp | 24.91%-11.6pp | 35.63%-22.3pp |
| Employer contribution / active EE | $1,245 | $3,107-59.9% | $3,870-67.8% | $2,756-54.8% |
| Participant deferral / active EE | $2,304 | $3,871-40.5% | $5,058-54.4% | $4,297-46.4% |
| Admin fee / account holder | $4,745 | $6,717-29.4% | $8,401-43.5% | $6,935-31.6% |