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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 | $45,079 | $58,627-23.1% | $76,735-41.3% | $82,448-45.3% |
| Participation rate | 43.8% | 63.2%-19.4pp | 69.5%-25.7pp | 68.1%-24.2pp |
| Annual return | 15.42% | 39.10%-23.7pp | 29.77%-14.3pp | 41.64%-26.2pp |
| Employer contribution / active EE | $1,384 | $1,729-20.0% | $2,454-43.6% | $2,551-45.7% |
| Participant deferral / active EE | $2,603 | $3,134-16.9% | $4,088-36.3% | $4,139-37.1% |
| Admin fee / account holder | $5,210 | $5,323-2.1% | $7,189-27.5% | $7,234-28.0% |