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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 | $51,721 | $73,988-30.1% | $96,538-46.4% | $75,177-31.2% |
| Participation rate | 53.3% | 66.4%-13.1pp | 74.3%-21.0pp | 67.2%-13.9pp |
| Annual return | 21.18% | 26.73%-5.5pp | 35.74%-14.6pp | 160.75%-139.6pp |
| Employer contribution / active EE | $1,392 | $2,930-52.5% | $3,740-62.8% | $2,671-47.9% |
| Participant deferral / active EE | $2,636 | $3,660-28.0% | $4,880-46.0% | $4,126-36.1% |
| Admin fee / account holder | $4,630 | $5,220-11.3% | $6,737-31.3% | $5,651-18.1% |