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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 | $46,175 | $63,082-26.8% | $81,716-43.5% | $79,852-42.2% |
| Participation rate | 25.0% | 67.5%-42.5pp | 72.0%-47.0pp | 69.6%-44.6pp |
| Annual return | 22.90% | 22.66%+0.2pp | 29.49%-6.6pp | 31.72%-8.8pp |
| Employer contribution / active EE | $753 | $1,795-58.0% | $4,310-82.5% | $2,471-69.5% |
| Participant deferral / active EE | $2,063 | $2,780-25.8% | $7,108-71.0% | $3,740-44.8% |
| Admin fee / account holder | $3,397 | $4,428-23.3% | $5,159-34.2% | $5,306-36.0% |