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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 | $48,354 | $59,440-18.7% | $78,004-38.0% | $82,637-41.5% |
| Participation rate | 43.1% | 62.8%-19.7pp | 69.4%-26.4pp | 68.1%-25.0pp |
| Annual return | 17.01% | 40.24%-23.2pp | 31.07%-14.1pp | 53.51%-36.5pp |
| Employer contribution / active EE | $1,360 | $1,750-22.3% | $2,469-44.9% | $2,552-46.7% |
| Participant deferral / active EE | $2,711 | $3,138-13.6% | $4,092-33.7% | $4,126-34.3% |
| Admin fee / account holder | $1,469 | $5,504-73.3% | $7,578-80.6% | $7,339-80.0% |