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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 | $23,885 | $81,504-70.7% | $102,437-76.7% | $80,959-70.5% |
| Participation rate | 56.4% | 66.9%-10.4pp | 74.5%-18.1pp | 67.7%-11.3pp |
| Annual return | 18.93% | 25.60%-6.7pp | 24.95%-6.0pp | 35.67%-16.7pp |
| Employer contribution / active EE | $1,710 | $3,104-44.9% | $3,871-55.8% | $2,757-38.0% |
| Participant deferral / active EE | $3,259 | $3,871-15.8% | $5,060-35.6% | $4,300-24.2% |
| Admin fee / account holder | $1,490 | $6,719-77.8% | $8,388-82.2% | $6,925-78.5% |