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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 | $42,725 | $108,825-60.7% | $156,181-72.6% | $82,448-48.2% |
| Participation rate | 46.3% | 72.4%-26.0pp | 78.8%-32.5pp | 68.1%-21.7pp |
| Annual return | 15.12% | 20.59%-5.5pp | 64.87%-49.8pp | 41.64%-26.5pp |
| Employer contribution / active EE | $2,011 | $2,870-29.9% | $4,294-53.2% | $2,551-21.2% |
| Participant deferral / active EE | $3,640 | $4,577-20.5% | $6,132-40.6% | $4,139-12.1% |
| Admin fee / account holder | $10,412 | $9,341+11.5% | $14,586-28.6% | $7,234+43.9% |