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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 | $58,705 | $81,276-27.8% | $155,574-62.3% | $80,925-27.5% |
| Participation rate | 35.8% | 66.2%-30.4pp | 78.2%-42.4pp | 67.7%-31.8pp |
| Annual return | 14.49% | 33.36%-18.9pp | 64.87%-50.4pp | 35.65%-21.2pp |
| Employer contribution / active EE | $1,831 | $3,103-41.0% | $4,676-60.8% | $2,756-33.6% |
| Participant deferral / active EE | $4,180 | $3,453+21.1% | $5,629-25.7% | $4,299-2.8% |
| Admin fee / account holder | $2,335 | $7,993-70.8% | $15,914-85.3% | $6,940-66.4% |