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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 | $48,682 | $182,442-73.3% | $163,379-70.2% | $138,895-65.0% |
| Participation rate | 46.2% | 79.8%-33.6pp | 76.8%-30.7pp | 79.9%-33.8pp |
| Annual return | 16.28% | 72.74%-56.5pp | 63.41%-47.1pp | 145.39%-129.1pp |
| Employer contribution / active EE | $1,296 | $4,159-68.8% | $3,752-65.5% | $4,194-69.1% |
| Participant deferral / active EE | $5,053 | $6,817-25.9% | $6,282-19.6% | $6,396-21.0% |
| Admin fee / account holder | $2,027 | $10,396-80.5% | $9,818-79.4% | $12,562-83.9% |