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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 | $81,504-54.0% | $102,437-63.4% | $80,959-53.7% |
| Participation rate | 51.4% | 66.9%-15.4pp | 74.5%-23.1pp | 67.7%-16.2pp |
| Annual return | 18.96% | 25.60%-6.6pp | 24.95%-6.0pp | 35.67%-16.7pp |
| Employer contribution / active EE | $1,613 | $3,104-48.0% | $3,871-58.3% | $2,757-41.5% |
| Participant deferral / active EE | $3,059 | $3,871-21.0% | $5,060-39.5% | $4,300-28.9% |
| Admin fee / account holder | $2,933 | $6,719-56.4% | $8,388-65.0% | $6,925-57.6% |