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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 | $30,443 | $56,287-45.9% | $80,977-62.4% | $62,881-51.6% |
| Participation rate | 57.6% | 68.9%-11.4pp | 75.8%-18.2pp | 69.3%-11.7pp |
| Annual return | 10.94% | 22.13%-11.2pp | 17.11%-6.2pp | 20.14%-9.2pp |
| Employer contribution / active EE | $2,170 | $1,943+11.7% | $3,715-41.6% | $2,281-4.8% |
| Participant deferral / active EE | $3,225 | $4,196-23.1% | $5,696-43.4% | $3,203+0.7% |
| Admin fee / account holder | $5,746 | $3,742+53.6% | $5,517+4.2% | $4,296+33.8% |