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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 | $43,917 | $81,504-46.1% | $102,437-57.1% | $80,959-45.8% |
| Participation rate | 36.0% | 66.9%-30.9pp | 74.5%-38.5pp | 67.7%-31.7pp |
| Annual return | 15.86% | 25.60%-9.7pp | 24.95%-9.1pp | 35.67%-19.8pp |
| Employer contribution / active EE | $2,031 | $3,104-34.6% | $3,871-47.5% | $2,757-26.3% |
| Participant deferral / active EE | $2,497 | $3,871-35.5% | $5,060-50.7% | $4,300-41.9% |
| Admin fee / account holder | $4,278 | $6,719-36.3% | $8,388-49.0% | $6,925-38.2% |