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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 | $38,693 | $59,440-34.9% | $78,004-50.4% | $82,637-53.2% |
| Participation rate | 44.2% | 62.8%-18.6pp | 69.4%-25.2pp | 68.1%-23.8pp |
| Annual return | 15.49% | 40.24%-24.7pp | 31.07%-15.6pp | 53.51%-38.0pp |
| Employer contribution / active EE | $1,697 | $1,750-3.1% | $2,469-31.3% | $2,552-33.5% |
| Participant deferral / active EE | $2,740 | $3,138-12.7% | $4,092-33.0% | $4,126-33.6% |
| Admin fee / account holder | $3,276 | $5,504-40.5% | $7,578-56.8% | $7,339-55.4% |