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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 | $124,425-60.8% | $112,040-56.5% | $137,256-64.5% |
| Participation rate | 20.0% | 79.3%-59.3pp | 76.5%-56.5pp | 80.0%-60.0pp |
| Annual return | 18.11% | 24.72%-6.6pp | 24.52%-6.4pp | 220.34%-202.2pp |
| Employer contribution / active EE | $3,037 | $3,411-11.0% | $2,954+2.8% | $4,156-26.9% |
| Participant deferral / active EE | $4,714 | $5,718-17.6% | $5,098-7.5% | $6,407-26.4% |
| Admin fee / account holder | $8,126 | $15,207-46.6% | $12,098-32.8% | $12,270-33.8% |