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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 | $50,526 | $81,331-37.9% | $155,534-67.5% | $80,935-37.6% |
| Participation rate | 50.0% | 66.3%-16.3pp | 78.2%-28.2pp | 67.7%-17.7pp |
| Annual return | 12.92% | 33.37%-20.4pp | 64.92%-52.0pp | 35.66%-22.7pp |
| Employer contribution / active EE | $1,157 | $3,105-62.7% | $4,675-75.2% | $2,757-58.0% |
| Participant deferral / active EE | $3,593 | $3,454+4.0% | $5,630-36.2% | $4,299-16.4% |
| Admin fee / account holder | $518 | $7,999-93.5% | $15,900-96.7% | $6,924-92.5% |