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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 | $49,825 | $79,961-37.7% | $98,462-49.4% | $75,177-33.7% |
| Participation rate | 34.5% | 70.4%-35.9pp | 75.2%-40.7pp | 67.2%-32.7pp |
| Annual return | 16.91% | 19.75%-2.8pp | 21.17%-4.3pp | 160.75%-143.8pp |
| Employer contribution / active EE | $811 | $2,264-64.2% | $3,049-73.4% | $2,671-69.6% |
| Participant deferral / active EE | $2,445 | $3,753-34.8% | $4,738-48.4% | $4,126-40.8% |
| Admin fee / account holder | $6,156 | $6,842-10.0% | $8,875-30.6% | $5,651+8.9% |