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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 | $48,614 | $101,778-52.2% | $164,975-70.5% | $80,925-39.9% |
| Participation rate | 50.0% | 71.8%-21.8pp | 78.6%-28.6pp | 67.7%-17.7pp |
| Annual return | 12.06% | 16.73%-4.7pp | 70.12%-58.1pp | 35.65%-23.6pp |
| Employer contribution / active EE | $2,328 | $2,954-21.2% | $4,343-46.4% | $2,756-15.6% |
| Participant deferral / active EE | $3,443 | $4,477-23.1% | $6,033-42.9% | $4,299-19.9% |
| Admin fee / account holder | $34,149 | $8,221+315.4% | $12,688+169.1% | $6,940+392.1% |