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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 | $50,365 | $81,504-38.2% | $102,437-50.8% | $80,959-37.8% |
| Participation rate | 49.4% | 66.9%-17.5pp | 74.5%-25.1pp | 67.7%-18.3pp |
| Annual return | 16.78% | 25.60%-8.8pp | 24.95%-8.2pp | 35.67%-18.9pp |
| Employer contribution / active EE | $1,175 | $3,104-62.2% | $3,871-69.7% | $2,757-57.4% |
| Participant deferral / active EE | $2,113 | $3,871-45.4% | $5,060-58.2% | $4,300-50.9% |
| Admin fee / account holder | $1,219 | $6,719-81.9% | $8,388-85.5% | $6,925-82.4% |