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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 | $93,055-59.6% | $153,643-75.6% | $80,935-53.6% |
| Participation rate | 46.2% | 69.0%-22.8pp | 77.1%-30.9pp | 67.7%-21.5pp |
| Annual return | 13.53% | 19.97%-6.4pp | 15.71%-2.2pp | 35.66%-22.1pp |
| Employer contribution / active EE | $1,477 | $3,504-57.8% | $5,039-70.7% | $2,757-46.4% |
| Participant deferral / active EE | $3,165 | $5,172-38.8% | $6,754-53.1% | $4,299-26.4% |
| Admin fee / account holder | $4,401 | $8,881-50.4% | $12,739-65.5% | $6,924-36.4% |