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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 | $35,227 | $81,358-56.7% | $155,556-77.4% | $80,959-56.5% |
| Participation rate | 46.8% | 66.3%-19.5pp | 78.2%-31.4pp | 67.7%-20.9pp |
| Annual return | 13.95% | 33.39%-19.4pp | 64.84%-50.9pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,959 | $3,106-36.9% | $4,675-58.1% | $2,757-29.0% |
| Participant deferral / active EE | $2,292 | $3,455-33.7% | $5,631-59.3% | $4,300-46.7% |
| Admin fee / account holder | $2,865 | $7,994-64.2% | $15,885-82.0% | $6,925-58.6% |