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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 | $37,391 | $73,988-49.5% | $96,538-61.3% | $75,177-50.3% |
| Participation rate | 48.7% | 66.4%-17.7pp | 74.3%-25.6pp | 67.2%-18.5pp |
| Annual return | 24.95% | 26.73%-1.8pp | 35.74%-10.8pp | 160.75%-135.8pp |
| Employer contribution / active EE | $1,885 | $2,930-35.7% | $3,740-49.6% | $2,671-29.4% |
| Participant deferral / active EE | $3,295 | $3,660-10.0% | $4,880-32.5% | $4,126-20.1% |
| Admin fee / account holder | $746 | $5,220-85.7% | $6,737-88.9% | $5,651-86.8% |