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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 | $45,001 | $73,988-39.2% | $96,538-53.4% | $75,177-40.1% |
| Participation rate | 59.0% | 66.4%-7.5pp | 74.3%-15.4pp | 67.2%-8.2pp |
| Annual return | 16.17% | 26.73%-10.6pp | 35.74%-19.6pp | 160.75%-144.6pp |
| Employer contribution / active EE | $1,955 | $2,930-33.3% | $3,740-47.7% | $2,671-26.8% |
| Participant deferral / active EE | $3,778 | $3,660+3.2% | $4,880-22.6% | $4,126-8.4% |
| Admin fee / account holder | $2,288 | $5,220-56.2% | $6,737-66.0% | $5,651-59.5% |