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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 | $81,446-38.2% | $103,374-51.3% | $80,874-37.7% |
| Participation rate | 49.4% | 66.9%-17.5pp | 74.5%-25.1pp | 67.6%-18.3pp |
| Annual return | 16.78% | 25.57%-8.8pp | 24.89%-8.1pp | 35.62%-18.8pp |
| Employer contribution / active EE | $1,175 | $3,107-62.2% | $3,869-69.6% | $2,756-57.4% |
| Participant deferral / active EE | $2,113 | $3,870-45.4% | $5,058-58.2% | $4,297-50.8% |
| Admin fee / account holder | $1,219 | $6,715-81.8% | $8,394-85.5% | $6,935-82.4% |