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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 | $33,084 | $106,749-69.0% | $145,433-77.3% | $82,448-59.9% |
| Participation rate | 49.2% | 75.6%-26.4pp | 82.1%-32.9pp | 68.1%-18.8pp |
| Annual return | 19.34% | 27.59%-8.3pp | 66.58%-47.2pp | 41.64%-22.3pp |
| Employer contribution / active EE | $2,386 | $3,444-30.7% | $4,554-47.6% | $2,551-6.5% |
| Participant deferral / active EE | $5,052 | $6,519-22.5% | $7,897-36.0% | $4,139+22.0% |
| Admin fee / account holder | $5,752 | $8,390-31.4% | $13,129-56.2% | $7,234-20.5% |