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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 | $40,680 | $57,590-29.4% | $86,233-52.8% | $82,448-50.7% |
| Participation rate | 45.9% | 57.9%-11.9pp | 69.0%-23.1pp | 68.1%-22.1pp |
| Annual return | 20.53% | 22.41%-1.9pp | 61.39%-40.9pp | 41.64%-21.1pp |
| Employer contribution / active EE | $1,704 | $1,655+3.0% | $2,504-32.0% | $2,551-33.2% |
| Participant deferral / active EE | $4,470 | $3,080+45.1% | $4,559-2.0% | $4,139+8.0% |
| Admin fee / account holder | $1,965 | $4,730-58.5% | $8,342-76.4% | $7,234-72.8% |