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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 | $136,860-64.4% | $120,344-59.5% | $154,746-68.5% |
| Participation rate | 20.0% | 79.9%-59.9pp | 76.7%-56.7pp | 80.7%-60.7pp |
| Annual return | 18.11% | 21.38%-3.3pp | 20.30%-2.2pp | 172.34%-154.2pp |
| Employer contribution / active EE | $3,037 | $3,533-14.1% | $3,020+0.5% | $4,379-30.7% |
| Participant deferral / active EE | $4,714 | $5,793-18.6% | $5,135-8.2% | $6,730-30.0% |
| Admin fee / account holder | $8,126 | $15,393-47.2% | $12,742-36.2% | $14,365-43.4% |