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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 | $40,021 | $81,504-50.9% | $102,437-60.9% | $80,959-50.6% |
| Participation rate | 58.1% | 66.9%-8.8pp | 74.5%-16.4pp | 67.7%-9.6pp |
| Annual return | 14.51% | 25.60%-11.1pp | 24.95%-10.4pp | 35.67%-21.2pp |
| Employer contribution / active EE | $2,044 | $3,104-34.1% | $3,871-47.2% | $2,757-25.9% |
| Participant deferral / active EE | $4,825 | $3,871+24.7% | $5,060-4.6% | $4,300+12.2% |
| Admin fee / account holder | $1,657 | $6,719-75.3% | $8,388-80.3% | $6,925-76.1% |