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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 | $41,379 | $86,949-52.4% | $102,460-59.6% | $80,959-48.9% |
| Participation rate | 50.5% | 72.4%-21.8pp | 76.5%-26.0pp | 67.7%-17.1pp |
| Annual return | 16.56% | 18.89%-2.3pp | 29.47%-12.9pp | 35.67%-19.1pp |
| Employer contribution / active EE | $2,217 | $2,370-6.5% | $3,025-26.7% | $2,757-19.6% |
| Participant deferral / active EE | $3,721 | $4,121-9.7% | $5,056-26.4% | $4,300-13.5% |
| Admin fee / account holder | $10,054 | $8,048+24.9% | $9,460+6.3% | $6,925+45.2% |