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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 | $110,137-61.2% | $161,149-73.5% | $82,637-48.3% |
| Participation rate | 46.3% | 72.4%-26.0pp | 78.8%-32.5pp | 68.1%-21.7pp |
| Annual return | 15.12% | 20.69%-5.6pp | 21.16%-6.0pp | 53.51%-38.4pp |
| Employer contribution / active EE | $2,011 | $2,856-29.6% | $4,360-53.9% | $2,552-21.2% |
| Participant deferral / active EE | $3,640 | $4,575-20.4% | $6,153-40.8% | $4,126-11.8% |
| Admin fee / account holder | $10,412 | $9,467+10.0% | $15,194-31.5% | $7,339+41.9% |