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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 | $56,607 | $124,425-54.5% | $112,040-49.5% | $137,256-58.8% |
| Participation rate | 45.5% | 79.3%-33.9pp | 76.5%-31.0pp | 80.0%-34.5pp |
| Annual return | 19.30% | 24.72%-5.4pp | 24.52%-5.2pp | 220.34%-201.0pp |
| Employer contribution / active EE | $1,873 | $3,411-45.1% | $2,954-36.6% | $4,156-54.9% |
| Participant deferral / active EE | $2,655 | $5,718-53.6% | $5,098-47.9% | $6,407-58.6% |
| Admin fee / account holder | $10,541 | $15,207-30.7% | $12,098-12.9% | $12,270-14.1% |