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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 | $45,070 | $78,670-42.7% | $109,173-58.7% | $85,847-47.5% |
| Participation rate | 60.0% | 68.3%-8.3pp | 75.9%-15.9pp | 69.3%-9.3pp |
| Annual return | 15.84% | 25.09%-9.3pp | 25.75%-9.9pp | 318.61%-302.8pp |
| Employer contribution / active EE | $1,538 | $2,734-43.7% | $3,723-58.7% | $2,565-40.0% |
| Participant deferral / active EE | $3,403 | $3,467-1.9% | $4,654-26.9% | $3,952-13.9% |
| Admin fee / account holder | $5,813 | $5,469+6.3% | $6,755-13.9% | $6,261-7.2% |