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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 | $48,152 | $76,371-36.9% | $93,621-48.6% | $72,975-34.0% |
| Participation rate | 59.0% | 71.8%-12.8pp | 75.8%-16.9pp | 69.5%-10.5pp |
| Annual return | 20.13% | 25.82%-5.7pp | 32.76%-12.6pp | 81.01%-60.9pp |
| Employer contribution / active EE | $859 | $2,276-62.3% | $2,719-68.4% | $2,440-64.8% |
| Participant deferral / active EE | $1,980 | $3,538-44.0% | $4,070-51.4% | $3,608-45.1% |
| Admin fee / account holder | $9,695 | $6,839+41.8% | $7,890+22.9% | $5,124+89.2% |