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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 | $48,374 | $80,763-40.1% | $102,412-52.8% | $74,459-35.0% |
| Participation rate | 37.7% | 65.7%-28.0pp | 74.5%-36.8pp | 67.2%-29.6pp |
| Annual return | 16.19% | 27.57%-11.4pp | 24.94%-8.7pp | 1369.70%-1353.5pp |
| Employer contribution / active EE | $2,349 | $3,160-25.7% | $3,870-39.3% | $2,626-10.6% |
| Participant deferral / active EE | $2,169 | $3,862-43.8% | $5,060-57.1% | $4,350-50.1% |
| Admin fee / account holder | $2,761 | $2,371+16.4% | $8,388-67.1% | $1,945+41.9% |