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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 | $45,325 | $78,672-42.4% | $109,163-58.5% | $85,856-47.2% |
| Participation rate | 53.3% | 68.3%-14.9pp | 75.9%-22.5pp | 69.3%-16.0pp |
| Annual return | 16.82% | 25.09%-8.3pp | 25.75%-8.9pp | 318.58%-301.8pp |
| Employer contribution / active EE | $1,353 | $2,734-50.5% | $3,723-63.6% | $2,565-47.2% |
| Participant deferral / active EE | $3,957 | $3,467+14.1% | $4,654-15.0% | $3,952+0.1% |
| Admin fee / account holder | $3,336 | $5,470-39.0% | $6,754-50.6% | $6,261-46.7% |