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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 | $56,712 | $81,476-30.4% | $102,383-44.6% | $80,925-29.9% |
| Participation rate | 37.3% | 66.8%-29.6pp | 74.5%-37.3pp | 67.7%-30.4pp |
| Annual return | 19.13% | 25.59%-6.5pp | 24.94%-5.8pp | 35.65%-16.5pp |
| Employer contribution / active EE | $1,697 | $3,105-45.3% | $3,870-56.1% | $2,756-38.4% |
| Participant deferral / active EE | $3,672 | $3,871-5.1% | $5,060-27.4% | $4,299-14.6% |
| Admin fee / account holder | $1,315 | $6,717-80.4% | $8,391-84.3% | $6,940-81.1% |