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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 | $44,340 | $59,440-25.4% | $78,004-43.2% | $82,637-46.3% |
| Participation rate | 51.1% | 62.8%-11.7pp | 69.4%-18.3pp | 68.1%-16.9pp |
| Annual return | 26.31% | 40.24%-13.9pp | 31.07%-4.8pp | 53.51%-27.2pp |
| Employer contribution / active EE | $2,362 | $1,750+34.9% | $2,469-4.3% | $2,552-7.5% |
| Participant deferral / active EE | $3,939 | $3,138+25.5% | $4,092-3.7% | $4,126-4.5% |
| Admin fee / account holder | $2,921 | $5,504-46.9% | $7,578-61.5% | $7,339-60.2% |