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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 | $55,156 | $81,504-32.3% | $102,437-46.2% | $80,959-31.9% |
| Participation rate | 25.0% | 66.9%-41.9pp | 74.5%-49.5pp | 67.7%-42.7pp |
| Annual return | 12.91% | 25.60%-12.7pp | 24.95%-12.0pp | 35.67%-22.8pp |
| Employer contribution / active EE | $1,669 | $3,104-46.2% | $3,871-56.9% | $2,757-39.5% |
| Participant deferral / active EE | $3,762 | $3,871-2.8% | $5,060-25.6% | $4,300-12.5% |
| Admin fee / account holder | $4,220 | $6,719-37.2% | $8,388-49.7% | $6,925-39.1% |