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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 | $39,788 | $59,440-33.1% | $78,004-49.0% | $82,637-51.9% |
| Participation rate | 44.8% | 62.8%-18.0pp | 69.4%-24.7pp | 68.1%-23.3pp |
| Annual return | 14.95% | 40.24%-25.3pp | 31.07%-16.1pp | 53.51%-38.6pp |
| Employer contribution / active EE | $1,031 | $1,750-41.1% | $2,469-58.2% | $2,552-59.6% |
| Participant deferral / active EE | $2,586 | $3,138-17.6% | $4,092-36.8% | $4,126-37.3% |
| Admin fee / account holder | $3,108 | $5,504-43.5% | $7,578-59.0% | $7,339-57.7% |