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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 | $44,230 | $106,588-58.5% | $94,215-53.1% | $155,188-71.5% |
| Participation rate | 46.2% | 74.3%-28.1pp | 70.0%-23.8pp | 80.8%-34.6pp |
| Annual return | 14.73% | 29.39%-14.7pp | 28.22%-13.5pp | 148.84%-134.1pp |
| Employer contribution / active EE | $2,579 | $3,080-16.3% | $2,675-3.6% | $4,248-39.3% |
| Participant deferral / active EE | $4,207 | $4,802-12.4% | $4,276-1.6% | $6,531-35.6% |
| Admin fee / account holder | $7,709 | $12,281-37.2% | $10,216-24.5% | $14,480-46.8% |