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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 | $50,345 | $58,099-13.3% | $76,872-34.5% | $75,173-33.0% |
| Participation rate | 32.5% | 63.9%-31.4pp | 69.6%-37.1pp | 67.2%-34.7pp |
| Annual return | 23.54% | 26.71%-3.2pp | 37.90%-14.4pp | 160.72%-137.2pp |
| Employer contribution / active EE | $909 | $1,996-54.4% | $2,533-64.1% | $2,671-66.0% |
| Participant deferral / active EE | $1,818 | $2,999-39.4% | $3,832-52.6% | $4,126-55.9% |
| Admin fee / account holder | $1,732 | $4,778-63.7% | $5,476-68.4% | $5,651-69.3% |