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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 | $39,493 | $95,453-58.6% | $112,040-64.8% | $82,448-52.1% |
| Participation rate | 45.2% | 72.8%-27.5pp | 76.5%-31.3pp | 68.1%-22.8pp |
| Annual return | 16.44% | 23.92%-7.5pp | 24.52%-8.1pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,800 | $2,318-22.3% | $2,954-39.0% | $2,551-29.4% |
| Participant deferral / active EE | $3,730 | $4,224-11.7% | $5,098-26.8% | $4,139-9.9% |
| Admin fee / account holder | $3,017 | $9,013-66.5% | $12,098-75.1% | $7,234-58.3% |