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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 | $35,633 | $47,848-25.5% | $81,473-56.3% | $70,126-49.2% |
| Participation rate | 52.9% | 58.3%-5.4pp | 68.0%-15.1pp | 69.5%-16.7pp |
| Annual return | 15.90% | 27.25%-11.3pp | 38.78%-22.9pp | 73.15%-57.2pp |
| Employer contribution / active EE | $1,481 | $1,527-3.0% | $2,568-42.3% | $2,343-36.8% |
| Participant deferral / active EE | $2,329 | $2,453-5.0% | $3,537-34.1% | $3,332-30.1% |
| Admin fee / account holder | $2,983 | $3,145-5.2% | $4,561-34.6% | $4,645-35.8% |