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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 | $37,219 | $96,289-61.3% | $213,469-82.6% | $87,485-57.5% |
| Participation rate | 48.1% | 69.6%-21.4pp | 77.1%-29.0pp | 68.9%-20.8pp |
| Annual return | 23.81% | 17.78%+6.0pp | 20.58%+3.2pp | 26.06%-2.2pp |
| Employer contribution / active EE | $1,456 | $3,035-52.0% | $4,994-70.8% | $2,596-43.9% |
| Participant deferral / active EE | $3,649 | $4,750-23.2% | $6,841-46.7% | $4,274-14.6% |
| Admin fee / account holder | $486 | $9,670-95.0% | $27,141-98.2% | $7,775-93.8% |