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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 | $46,192 | $88,370-47.7% | $112,977-59.1% | $79,856-42.2% |
| Participation rate | 43.5% | 76.8%-33.3pp | 82.6%-39.1pp | 69.6%-26.2pp |
| Annual return | 14.43% | 23.16%-8.7pp | 24.24%-9.8pp | 31.71%-17.3pp |
| Employer contribution / active EE | $1,016 | $3,398-70.1% | $4,255-76.1% | $2,471-58.9% |
| Participant deferral / active EE | $2,336 | $4,536-48.5% | $5,836-60.0% | $3,741-37.6% |
| Admin fee / account holder | $4,329 | $5,750-24.7% | $6,294-31.2% | $5,306-18.4% |