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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 | $42,958 | $73,978-41.9% | $96,515-55.5% | $75,173-42.9% |
| Participation rate | 57.1% | 66.4%-9.3pp | 74.3%-17.2pp | 67.2%-10.1pp |
| Annual return | 18.44% | 26.72%-8.3pp | 35.73%-17.3pp | 160.72%-142.3pp |
| Employer contribution / active EE | $1,536 | $2,931-47.6% | $3,740-58.9% | $2,671-42.5% |
| Participant deferral / active EE | $3,019 | $3,660-17.5% | $4,880-38.1% | $4,126-26.8% |
| Admin fee / account holder | $1,608 | $5,219-69.2% | $6,735-76.1% | $5,651-71.5% |