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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 | $39,809 | $58,627-32.1% | $76,735-48.1% | $82,448-51.7% |
| Participation rate | 55.0% | 63.2%-8.2pp | 69.5%-14.5pp | 68.1%-13.1pp |
| Annual return | 20.75% | 39.10%-18.3pp | 29.77%-9.0pp | 41.64%-20.9pp |
| Employer contribution / active EE | $1,586 | $1,729-8.3% | $2,454-35.4% | $2,551-37.8% |
| Participant deferral / active EE | $3,096 | $3,134-1.2% | $4,088-24.3% | $4,139-25.2% |
| Admin fee / account holder | $3,468 | $5,323-34.8% | $7,189-51.8% | $7,234-52.1% |