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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 | $40,688 | $110,137-63.1% | $161,149-74.8% | $82,637-50.8% |
| Participation rate | 50.0% | 72.4%-22.4pp | 78.8%-28.8pp | 68.1%-18.1pp |
| Annual return | 14.13% | 20.69%-6.6pp | 21.16%-7.0pp | 53.51%-39.4pp |
| Employer contribution / active EE | $1,566 | $2,856-45.2% | $4,360-64.1% | $2,552-38.7% |
| Participant deferral / active EE | $2,782 | $4,575-39.2% | $6,153-54.8% | $4,126-32.6% |
| Admin fee / account holder | $3,468 | $9,467-63.4% | $15,194-77.2% | $7,339-52.7% |