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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 | $57,052 | $81,457-30.0% | $103,378-44.8% | $80,911-29.5% |
| Participation rate | 52.0% | 66.8%-14.8pp | 74.5%-22.5pp | 67.6%-15.6pp |
| Annual return | 11.65% | 25.58%-13.9pp | 24.91%-13.3pp | 35.63%-24.0pp |
| Employer contribution / active EE | $1,076 | $3,107-65.4% | $3,870-72.2% | $2,756-60.9% |
| Participant deferral / active EE | $3,597 | $3,871-7.1% | $5,058-28.9% | $4,297-16.3% |
| Admin fee / account holder | $2,611 | $6,717-61.1% | $8,401-68.9% | $6,935-62.3% |