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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 | $57,043 | $91,559-37.7% | $133,978-57.4% | $79,856-28.6% |
| Participation rate | 48.0% | 73.3%-25.3pp | 79.8%-31.8pp | 69.6%-21.6pp |
| Annual return | 16.08% | 61.85%-45.8pp | 45.10%-29.0pp | 31.71%-15.6pp |
| Employer contribution / active EE | $1,886 | $2,384-20.9% | $3,919-51.9% | $2,471-23.7% |
| Participant deferral / active EE | $4,361 | $3,734+16.8% | $5,047-13.6% | $3,741+16.6% |
| Admin fee / account holder | $375 | $6,321-94.1% | $8,930-95.8% | $5,306-92.9% |