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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 | $46,829 | $87,106-46.2% | $105,607-55.7% | $80,935-42.1% |
| Participation rate | 57.1% | 70.4%-13.3pp | 75.3%-18.1pp | 67.7%-10.5pp |
| Annual return | 12.74% | 17.01%-4.3pp | 116.11%-103.4pp | 35.66%-22.9pp |
| Employer contribution / active EE | $2,039 | $2,396-14.9% | $3,167-35.6% | $2,757-26.0% |
| Participant deferral / active EE | $3,087 | $3,986-22.5% | $5,011-38.4% | $4,299-28.2% |
| Admin fee / account holder | $7,656 | $8,447-9.4% | $10,958-30.1% | $6,924+10.6% |