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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 | $52,601 | $92,798-43.3% | $96,707-45.6% | $137,256-61.7% |
| Participation rate | 45.5% | 81.6%-36.2pp | 80.4%-34.9pp | 80.0%-34.5pp |
| Annual return | 21.65% | 31.24%-9.6pp | 34.78%-13.1pp | 220.34%-198.7pp |
| Employer contribution / active EE | $2,366 | $4,147-43.0% | $4,191-43.6% | $4,156-43.1% |
| Participant deferral / active EE | $6,383 | $5,877+8.6% | $5,997+6.4% | $6,407-0.4% |
| Admin fee / account holder | $348 | $7,946-95.6% | $7,503-95.4% | $12,270-97.2% |