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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 | $106,864-63.0% | $147,318-73.2% | $82,637-52.2% |
| Participation rate | 42.4% | 75.5%-33.1pp | 82.1%-39.6pp | 68.1%-25.6pp |
| Annual return | 18.10% | 27.49%-9.4pp | 70.43%-52.3pp | 53.51%-35.4pp |
| Employer contribution / active EE | $3,928 | $3,417+15.0% | $4,593-14.5% | $2,552+53.9% |
| Participant deferral / active EE | $4,750 | $6,496-26.9% | $7,906-39.9% | $4,126+15.1% |
| Admin fee / account holder | $10,390 | $8,415+23.5% | $13,708-24.2% | $7,339+41.6% |