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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 | $45,825 | $73,978-38.1% | $96,515-52.5% | $75,173-39.0% |
| Participation rate | 55.0% | 66.4%-11.4pp | 74.3%-19.3pp | 67.2%-12.2pp |
| Annual return | 14.41% | 26.72%-12.3pp | 35.73%-21.3pp | 160.72%-146.3pp |
| Employer contribution / active EE | $1,804 | $2,931-38.4% | $3,740-51.8% | $2,671-32.5% |
| Participant deferral / active EE | $2,709 | $3,660-26.0% | $4,880-44.5% | $4,126-34.3% |
| Admin fee / account holder | $7,916 | $5,219+51.7% | $6,735+17.5% | $5,651+40.1% |