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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 | $56,886 | $81,457-30.2% | $103,378-45.0% | $80,911-29.7% |
| Participation rate | 49.4% | 66.8%-17.5pp | 74.5%-25.2pp | 67.6%-18.3pp |
| Annual return | 15.18% | 25.58%-10.4pp | 24.91%-9.7pp | 35.63%-20.4pp |
| Employer contribution / active EE | $1,681 | $3,107-45.9% | $3,870-56.6% | $2,756-39.0% |
| Participant deferral / active EE | $4,075 | $3,871+5.3% | $5,058-19.4% | $4,297-5.2% |
| Admin fee / account holder | $781 | $6,717-88.4% | $8,401-90.7% | $6,935-88.7% |