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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 | $35,627 | $57,119-37.6% | $85,187-58.2% | $80,935-56.0% |
| Participation rate | 38.0% | 56.4%-18.4pp | 67.5%-29.5pp | 67.7%-29.7pp |
| Annual return | 14.70% | 21.70%-7.0pp | 66.67%-52.0pp | 35.66%-21.0pp |
| Employer contribution / active EE | $1,432 | $1,802-20.5% | $2,732-47.6% | $2,757-48.1% |
| Participant deferral / active EE | $2,411 | $3,115-22.6% | $4,525-46.7% | $4,299-43.9% |
| Admin fee / account holder | $4,078 | $4,990-18.3% | $6,162-33.8% | $6,924-41.1% |