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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 | $50,527 | $81,504-38.0% | $102,437-50.7% | $80,959-37.6% |
| Participation rate | 35.4% | 66.9%-31.5pp | 74.5%-39.1pp | 67.7%-32.3pp |
| Annual return | 13.10% | 25.60%-12.5pp | 24.95%-11.8pp | 35.67%-22.6pp |
| Employer contribution / active EE | $1,148 | $3,104-63.0% | $3,871-70.3% | $2,757-58.4% |
| Participant deferral / active EE | $2,401 | $3,871-38.0% | $5,060-52.5% | $4,300-44.2% |
| Admin fee / account holder | $601 | $6,719-91.1% | $8,388-92.8% | $6,925-91.3% |