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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 | $52,584 | $73,978-28.9% | $96,515-45.5% | $75,173-30.0% |
| Participation rate | 31.6% | 66.4%-34.9pp | 74.3%-42.8pp | 67.2%-35.6pp |
| Annual return | 15.66% | 26.72%-11.1pp | 35.73%-20.1pp | 160.72%-145.1pp |
| Employer contribution / active EE | $1,248 | $2,931-57.4% | $3,740-66.6% | $2,671-53.3% |
| Participant deferral / active EE | $2,305 | $3,660-37.0% | $4,880-52.8% | $4,126-44.1% |
| Admin fee / account holder | $9,037 | $5,219+73.2% | $6,735+34.2% | $5,651+59.9% |