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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 | $57,271 | $81,504-29.7% | $102,437-44.1% | $80,959-29.3% |
| Participation rate | 53.5% | 66.9%-13.4pp | 74.5%-21.0pp | 67.7%-14.2pp |
| Annual return | 14.23% | 25.60%-11.4pp | 24.95%-10.7pp | 35.67%-21.4pp |
| Employer contribution / active EE | $1,603 | $3,104-48.4% | $3,871-58.6% | $2,757-41.9% |
| Participant deferral / active EE | $3,247 | $3,871-16.1% | $5,060-35.8% | $4,300-24.5% |
| Admin fee / account holder | $1,452 | $6,719-78.4% | $8,388-82.7% | $6,925-79.0% |