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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 | $101,795-52.2% | $165,100-70.6% | $80,959-40.0% |
| Participation rate | 50.0% | 71.8%-21.8pp | 78.6%-28.6pp | 67.7%-17.7pp |
| Annual return | 12.06% | 16.73%-4.7pp | 70.21%-58.1pp | 35.67%-23.6pp |
| Employer contribution / active EE | $2,328 | $2,954-21.2% | $4,348-46.5% | $2,757-15.6% |
| Participant deferral / active EE | $3,443 | $4,476-23.1% | $6,035-43.0% | $4,300-19.9% |
| Admin fee / account holder | $34,149 | $8,221+315.4% | $12,696+169.0% | $6,925+393.1% |