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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 | $37,548 | $92,985-59.6% | $153,432-75.5% | $80,874-53.6% |
| Participation rate | 46.2% | 69.0%-22.8pp | 77.1%-30.9pp | 67.6%-21.5pp |
| Annual return | 13.53% | 19.95%-6.4pp | 15.66%-2.1pp | 35.62%-22.1pp |
| Employer contribution / active EE | $1,477 | $3,507-57.9% | $5,038-70.7% | $2,756-46.4% |
| Participant deferral / active EE | $3,165 | $5,178-38.9% | $6,757-53.2% | $4,297-26.4% |
| Admin fee / account holder | $4,401 | $8,880-50.4% | $12,725-65.4% | $6,935-36.5% |