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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 | $37,456 | $81,476-54.0% | $102,383-63.4% | $80,925-53.7% |
| Participation rate | 51.4% | 66.8%-15.4pp | 74.5%-23.1pp | 67.7%-16.2pp |
| Annual return | 18.96% | 25.59%-6.6pp | 24.94%-6.0pp | 35.65%-16.7pp |
| Employer contribution / active EE | $1,613 | $3,105-48.0% | $3,870-58.3% | $2,756-41.5% |
| Participant deferral / active EE | $3,059 | $3,871-21.0% | $5,060-39.5% | $4,299-28.8% |
| Admin fee / account holder | $2,933 | $6,717-56.3% | $8,391-65.0% | $6,940-57.7% |