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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 | $37,739 | $95,404-60.4% | $113,397-66.7% | $82,637-54.3% |
| Participation rate | 45.5% | 72.8%-27.4pp | 76.5%-31.0pp | 68.1%-22.6pp |
| Annual return | 14.38% | 19.08%-4.7pp | 23.20%-8.8pp | 53.51%-39.1pp |
| Employer contribution / active EE | $1,722 | $2,307-25.4% | $2,977-42.2% | $2,552-32.5% |
| Participant deferral / active EE | $3,671 | $4,220-13.0% | $5,076-27.7% | $4,126-11.0% |
| Admin fee / account holder | $6,615 | $9,168-27.9% | $11,957-44.7% | $7,339-9.9% |