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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 | $51,970 | $58,848-11.7% | $88,179-41.1% | $82,637-37.1% |
| Participation rate | 51.6% | 57.9%-6.3pp | 69.1%-17.5pp | 68.1%-16.4pp |
| Annual return | 15.54% | 22.76%-7.2pp | 64.97%-49.4pp | 53.51%-38.0pp |
| Employer contribution / active EE | $1,446 | $1,678-13.8% | $2,549-43.3% | $2,552-43.3% |
| Participant deferral / active EE | $2,398 | $3,124-23.2% | $4,614-48.0% | $4,126-41.9% |
| Admin fee / account holder | $4,972 | $4,795+3.7% | $7,673-35.2% | $7,339-32.2% |