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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 | $51,134 | $81,334-37.1% | $113,397-54.9% | $64,097-20.2% |
| Participation rate | 51.8% | 65.6%-13.9pp | 76.5%-24.7pp | 55.2%-3.4pp |
| Annual return | 13.19% | 32.50%-19.3pp | 23.20%-10.0pp | 34.64%-21.5pp |
| Employer contribution / active EE | $1,367 | $2,077-34.2% | $2,977-54.1% | $1,891-27.7% |
| Participant deferral / active EE | $2,218 | $3,795-41.6% | $5,076-56.3% | $3,080-28.0% |
| Admin fee / account holder | $2,378 | $4,208-43.5% | $11,957-80.1% | $3,454-31.2% |