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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 | $48,076 | $91,474-47.4% | $135,982-64.6% | $71,529-32.8% |
| Participation rate | 32.2% | 75.7%-43.5pp | 81.9%-49.7pp | 67.9%-35.7pp |
| Annual return | 31.90% | 29.89%+2.0pp | 68.32%-36.4pp | 28.97%+2.9pp |
| Employer contribution / active EE | $1,719 | $3,705-53.6% | $4,859-64.6% | $2,590-33.6% |
| Participant deferral / active EE | $3,657 | $7,095-48.5% | $7,760-52.9% | $4,291-14.8% |
| Admin fee / account holder | $2,148 | $1,267+69.5% | $10,767-80.0% | $1,588+35.2% |