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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 | $44,152 | $73,978-40.3% | $96,515-54.3% | $75,173-41.3% |
| Participation rate | 44.1% | 66.4%-22.3pp | 74.3%-30.2pp | 67.2%-23.1pp |
| Annual return | 16.65% | 26.72%-10.1pp | 35.73%-19.1pp | 160.72%-144.1pp |
| Employer contribution / active EE | $1,854 | $2,931-36.7% | $3,740-50.4% | $2,671-30.6% |
| Participant deferral / active EE | $2,735 | $3,660-25.3% | $4,880-44.0% | $4,126-33.7% |
| Admin fee / account holder | $8,227 | $5,219+57.7% | $6,735+22.2% | $5,651+45.6% |