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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 | $49,482 | $80,992-38.9% | $96,534-48.7% | $75,173-34.2% |
| Participation rate | 56.6% | 71.8%-15.2pp | 76.0%-19.4pp | 67.2%-10.6pp |
| Annual return | 15.21% | 27.05%-11.8pp | 25.88%-10.7pp | 160.72%-145.5pp |
| Employer contribution / active EE | $1,332 | $2,283-41.6% | $2,965-55.1% | $2,671-50.1% |
| Participant deferral / active EE | $2,321 | $3,929-40.9% | $4,851-52.1% | $4,126-43.7% |
| Admin fee / account holder | $6,774 | $6,717+0.8% | $8,253-17.9% | $5,651+19.9% |