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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 | $38,949 | $81,446-52.2% | $103,374-62.3% | $80,874-51.8% |
| Participation rate | 40.5% | 66.9%-26.3pp | 74.5%-34.0pp | 67.6%-27.1pp |
| Annual return | 13.03% | 25.57%-12.5pp | 24.89%-11.9pp | 35.62%-22.6pp |
| Employer contribution / active EE | $1,569 | $3,107-49.5% | $3,869-59.4% | $2,756-43.1% |
| Participant deferral / active EE | $2,761 | $3,870-28.7% | $5,058-45.4% | $4,297-35.8% |
| Admin fee / account holder | $1,628 | $6,715-75.7% | $8,394-80.6% | $6,935-76.5% |