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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 | $69,444-18.3% | $92,985-39.0% | $87,485-35.2% |
| Participation rate | 41.8% | 63.3%-21.5pp | 69.5%-27.7pp | 68.9%-27.1pp |
| Annual return | 15.12% | 23.85%-8.7pp | 27.99%-12.9pp | 26.06%-10.9pp |
| Employer contribution / active EE | $1,085 | $1,917-43.4% | $2,662-59.2% | $2,596-58.2% |
| Participant deferral / active EE | $3,276 | $3,364-2.6% | $4,377-25.1% | $4,274-23.3% |
| Admin fee / account holder | $2,728 | $6,137-55.6% | $9,463-71.2% | $7,775-64.9% |