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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 | $48,555 | $51,202-5.2% | $70,548-31.2% | $75,181-35.4% |
| Participation rate | 18.3% | 61.0%-42.7pp | 68.3%-50.1pp | 67.2%-48.9pp |
| Annual return | 19.84% | 30.05%-10.2pp | 32.78%-12.9pp | 160.69%-140.8pp |
| Employer contribution / active EE | $917 | $1,827-49.8% | $2,975-69.2% | $2,671-65.7% |
| Participant deferral / active EE | $1,832 | $2,850-35.7% | $4,567-59.9% | $4,126-55.6% |
| Admin fee / account holder | $7,630 | $4,094+86.4% | $6,424+18.8% | $5,650+35.0% |