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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 | $41,977 | $73,988-43.3% | $96,538-56.5% | $75,177-44.2% |
| Participation rate | 47.1% | 66.4%-19.4pp | 74.3%-27.3pp | 67.2%-20.1pp |
| Annual return | 19.43% | 26.73%-7.3pp | 35.74%-16.3pp | 160.75%-141.3pp |
| Employer contribution / active EE | $1,455 | $2,930-50.3% | $3,740-61.1% | $2,671-45.5% |
| Participant deferral / active EE | $3,118 | $3,660-14.8% | $4,880-36.1% | $4,126-24.4% |
| Admin fee / account holder | $2,994 | $5,220-42.6% | $6,737-55.6% | $5,651-47.0% |