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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 | $38,435 | $65,367-41.2% | $92,915-58.6% | $72,976-47.3% |
| Participation rate | 50.0% | 68.3%-18.3pp | 76.0%-26.0pp | 69.5%-19.5pp |
| Annual return | 23.88% | 42.11%-18.2pp | 109.45%-85.6pp | 81.02%-57.1pp |
| Employer contribution / active EE | $1,336 | $2,594-48.5% | $3,653-63.4% | $2,440-45.2% |
| Participant deferral / active EE | $2,802 | $3,128-10.4% | $4,238-33.9% | $3,608-22.3% |
| Admin fee / account holder | $4,221 | $4,251-0.7% | $5,796-27.2% | $5,124-17.6% |