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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 | $58,636 | $86,938-32.6% | $102,423-42.8% | $80,925-27.5% |
| Participation rate | 44.6% | 72.4%-27.8pp | 76.5%-31.9pp | 67.7%-23.0pp |
| Annual return | 10.44% | 18.89%-8.4pp | 29.42%-19.0pp | 35.65%-25.2pp |
| Employer contribution / active EE | $1,129 | $2,369-52.4% | $3,023-62.7% | $2,756-59.0% |
| Participant deferral / active EE | $1,853 | $4,120-55.0% | $5,054-63.3% | $4,299-56.9% |
| Admin fee / account holder | $1,218 | $8,053-84.9% | $9,455-87.1% | $6,940-82.5% |