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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 | $78,015-50.5% | $178,505-78.4% | $80,959-52.3% |
| Participation rate | 44.2% | 65.7%-21.5pp | 77.1%-33.0pp | 67.7%-23.5pp |
| Annual return | 13.37% | 18.10%-4.7pp | 27.16%-13.8pp | 35.67%-22.3pp |
| Employer contribution / active EE | $1,696 | $2,281-25.7% | $3,955-57.1% | $2,757-38.5% |
| Participant deferral / active EE | $3,357 | $4,406-23.8% | $6,280-46.5% | $4,300-21.9% |
| Admin fee / account holder | $4,505 | $7,160-37.1% | $10,428-56.8% | $6,925-34.9% |