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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 | $56,678 | $69,444-18.4% | $92,985-39.0% | $87,485-35.2% |
| Participation rate | 35.5% | 63.3%-27.8pp | 69.5%-34.0pp | 68.9%-33.4pp |
| Annual return | 16.78% | 23.85%-7.1pp | 27.99%-11.2pp | 26.06%-9.3pp |
| Employer contribution / active EE | $1,246 | $1,917-35.0% | $2,662-53.2% | $2,596-52.0% |
| Participant deferral / active EE | $2,138 | $3,364-36.5% | $4,377-51.2% | $4,274-50.0% |
| Admin fee / account holder | $4,000 | $6,137-34.8% | $9,463-57.7% | $7,775-48.5% |