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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 | $48,758 | $167,415-70.9% | $140,514-65.3% | $198,609-75.5% |
| Participation rate | 20.0% | 80.9%-60.9pp | 77.8%-57.8pp | 82.4%-62.4pp |
| Annual return | 18.11% | 13.85%+4.3pp | 14.36%+3.8pp | 202.70%-184.6pp |
| Employer contribution / active EE | $3,037 | $4,088-25.7% | $3,378-10.1% | $5,055-39.9% |
| Participant deferral / active EE | $4,714 | $5,579-15.5% | $4,919-4.1% | $6,977-32.4% |
| Admin fee / account holder | $8,126 | $16,730-51.4% | $13,697-40.7% | $19,030-57.3% |