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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 | $115,931-64.9% | $185,441-78.1% | $86,983-53.2% |
| Participation rate | 50.0% | 73.6%-23.6pp | 80.3%-30.3pp | 69.5%-19.5pp |
| Annual return | 14.13% | 21.47%-7.3pp | 20.16%-6.0pp | 25.83%-11.7pp |
| Employer contribution / active EE | $1,566 | $2,937-46.7% | $4,672-66.5% | $2,584-39.4% |
| Participant deferral / active EE | $2,782 | $4,551-38.9% | $6,152-54.8% | $4,194-33.7% |
| Admin fee / account holder | $3,468 | $10,687-67.5% | $17,890-80.6% | $7,856-55.9% |