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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 | $43,702 | $106,749-59.1% | $145,433-70.0% | $82,448-47.0% |
| Participation rate | 54.3% | 75.6%-21.4pp | 82.1%-27.8pp | 68.1%-13.8pp |
| Annual return | 15.00% | 27.59%-12.6pp | 66.58%-51.6pp | 41.64%-26.6pp |
| Employer contribution / active EE | $2,490 | $3,444-27.7% | $4,554-45.3% | $2,551-2.4% |
| Participant deferral / active EE | $4,231 | $6,519-35.1% | $7,897-46.4% | $4,139+2.2% |
| Admin fee / account holder | $5,408 | $8,390-35.5% | $13,129-58.8% | $7,234-25.3% |