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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 | $50,273 | $81,504-38.3% | $102,437-50.9% | $80,959-37.9% |
| Participation rate | 58.8% | 66.9%-8.0pp | 74.5%-15.7pp | 67.7%-8.8pp |
| Annual return | 17.61% | 25.60%-8.0pp | 24.95%-7.3pp | 35.67%-18.1pp |
| Employer contribution / active EE | $1,262 | $3,104-59.3% | $3,871-67.4% | $2,757-54.2% |
| Participant deferral / active EE | $4,298 | $3,871+11.0% | $5,060-15.1% | $4,300-0.1% |
| Admin fee / account holder | $5,120 | $6,719-23.8% | $8,388-39.0% | $6,925-26.1% |