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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 | $38,641 | $78,027-50.5% | $178,528-78.4% | $80,925-52.3% |
| Participation rate | 44.2% | 65.7%-21.5pp | 77.1%-32.9pp | 67.7%-23.5pp |
| Annual return | 13.37% | 18.09%-4.7pp | 27.11%-13.7pp | 35.65%-22.3pp |
| Employer contribution / active EE | $1,696 | $2,281-25.7% | $3,950-57.1% | $2,756-38.5% |
| Participant deferral / active EE | $3,357 | $4,408-23.8% | $6,278-46.5% | $4,299-21.9% |
| Admin fee / account holder | $4,505 | $7,168-37.1% | $10,419-56.8% | $6,940-35.1% |