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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 | $54,977 | $77,472-29.0% | $100,392-45.2% | $80,935-32.1% |
| Participation rate | 46.9% | 76.9%-30.0pp | 81.5%-34.6pp | 67.7%-20.7pp |
| Annual return | 16.92% | 37.26%-20.3pp | 49.45%-32.5pp | 35.66%-18.7pp |
| Employer contribution / active EE | $2,543 | $2,800-9.2% | $3,941-35.5% | $2,757-7.7% |
| Participant deferral / active EE | $5,043 | $6,818-26.0% | $8,090-37.7% | $4,299+17.3% |
| Admin fee / account holder | $3,484 | $5,885-40.8% | $7,904-55.9% | $6,924-49.7% |