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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 | $58,844 | $77,908-24.5% | $149,696-60.7% | $75,173-21.7% |
| Participation rate | 46.2% | 65.6%-19.4pp | 78.8%-32.6pp | 67.2%-21.0pp |
| Annual return | 22.84% | 31.73%-8.9pp | 134.46%-111.6pp | 160.72%-137.9pp |
| Employer contribution / active EE | $1,790 | $3,138-43.0% | $4,821-62.9% | $2,671-33.0% |
| Participant deferral / active EE | $3,499 | $3,411+2.6% | $5,682-38.4% | $4,126-15.2% |
| Admin fee / account holder | $3,060 | $5,950-48.6% | $13,212-76.8% | $5,651-45.9% |