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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 | $40,324 | $59,839-32.6% | $81,988-50.8% | $79,858-49.5% |
| Participation rate | 50.0% | 61.6%-11.6pp | 69.3%-19.3pp | 69.6%-19.6pp |
| Annual return | 17.33% | 17.56%-0.2pp | 41.31%-24.0pp | 31.72%-14.4pp |
| Employer contribution / active EE | $1,169 | $1,713-31.8% | $2,498-53.2% | $2,471-52.7% |
| Participant deferral / active EE | $2,529 | $2,695-6.2% | $3,722-32.1% | $3,740-32.4% |
| Admin fee / account holder | $1,345 | $4,287-68.6% | $5,665-76.3% | $5,306-74.6% |