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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 | $50,355 | $112,729-55.3% | $98,716-49.0% | $137,256-63.3% |
| Participation rate | 45.8% | 74.2%-28.4pp | 69.3%-23.5pp | 80.0%-34.1pp |
| Annual return | 18.52% | 38.48%-20.0pp | 31.81%-13.3pp | 220.34%-201.8pp |
| Employer contribution / active EE | $1,368 | $2,725-49.8% | $2,279-40.0% | $4,156-67.1% |
| Participant deferral / active EE | $1,705 | $4,640-63.2% | $4,048-57.9% | $6,407-73.4% |
| Admin fee / account holder | $2,478 | $10,129-75.5% | $8,703-71.5% | $12,270-79.8% |