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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 | $40,470 | $81,446-50.3% | $103,374-60.9% | $80,874-50.0% |
| Participation rate | 50.0% | 66.9%-16.9pp | 74.5%-24.5pp | 67.6%-17.6pp |
| Annual return | 15.72% | 25.57%-9.8pp | 24.89%-9.2pp | 35.62%-19.9pp |
| Employer contribution / active EE | $3,365 | $3,107+8.3% | $3,869-13.0% | $2,756+22.1% |
| Participant deferral / active EE | $4,139 | $3,870+6.9% | $5,058-18.2% | $4,297-3.7% |
| Admin fee / account holder | $3,192 | $6,715-52.5% | $8,394-62.0% | $6,935-54.0% |