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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 | $81,457-31.2% | $103,378-45.8% | $80,911-30.7% |
| Participation rate | 41.1% | 66.8%-25.8pp | 74.5%-33.4pp | 67.6%-26.6pp |
| Annual return | 13.36% | 25.58%-12.2pp | 24.91%-11.5pp | 35.63%-22.3pp |
| Employer contribution / active EE | $1,405 | $3,107-54.8% | $3,870-63.7% | $2,756-49.0% |
| Participant deferral / active EE | $3,026 | $3,871-21.8% | $5,058-40.2% | $4,297-29.6% |
| Admin fee / account holder | $3,090 | $6,717-54.0% | $8,401-63.2% | $6,935-55.4% |