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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 | $39,526 | $106,749-63.0% | $145,433-72.8% | $82,448-52.1% |
| Participation rate | 42.4% | 75.6%-33.2pp | 82.1%-39.7pp | 68.1%-25.6pp |
| Annual return | 18.10% | 27.59%-9.5pp | 66.58%-48.5pp | 41.64%-23.5pp |
| Employer contribution / active EE | $3,928 | $3,444+14.0% | $4,554-13.7% | $2,551+54.0% |
| Participant deferral / active EE | $4,750 | $6,519-27.1% | $7,897-39.9% | $4,139+14.8% |
| Admin fee / account holder | $10,390 | $8,390+23.8% | $13,129-20.9% | $7,234+43.6% |