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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 | $52,417 | $89,259-41.3% | $107,187-51.1% | $82,637-36.6% |
| Participation rate | 47.9% | 67.9%-20.0pp | 75.0%-27.1pp | 68.1%-20.1pp |
| Annual return | 15.62% | 21.02%-5.4pp | 204.55%-188.9pp | 53.51%-37.9pp |
| Employer contribution / active EE | $2,529 | $3,080-17.9% | $3,782-33.1% | $2,552-0.9% |
| Participant deferral / active EE | $3,547 | $4,037-12.1% | $5,096-30.4% | $4,126-14.0% |
| Admin fee / account holder | $3,485 | $7,381-52.8% | $9,162-62.0% | $7,339-52.5% |