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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 | $56,082 | $81,504-31.2% | $102,437-45.3% | $80,959-30.7% |
| Participation rate | 41.1% | 66.9%-25.8pp | 74.5%-33.4pp | 67.7%-26.6pp |
| Annual return | 13.36% | 25.60%-12.2pp | 24.95%-11.6pp | 35.67%-22.3pp |
| Employer contribution / active EE | $1,405 | $3,104-54.7% | $3,871-63.7% | $2,757-49.0% |
| Participant deferral / active EE | $3,026 | $3,871-21.8% | $5,060-40.2% | $4,300-29.6% |
| Admin fee / account holder | $3,090 | $6,719-54.0% | $8,388-63.2% | $6,925-55.4% |