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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 | $52,692 | $86,919-39.4% | $102,457-48.6% | $80,911-34.9% |
| Participation rate | 42.4% | 72.4%-30.0pp | 76.5%-34.1pp | 67.6%-25.3pp |
| Annual return | 11.95% | 18.90%-6.9pp | 29.41%-17.5pp | 35.63%-23.7pp |
| Employer contribution / active EE | $1,088 | $2,368-54.1% | $3,022-64.0% | $2,756-60.5% |
| Participant deferral / active EE | $2,723 | $4,119-33.9% | $5,054-46.1% | $4,297-36.6% |
| Admin fee / account holder | $8,126 | $8,049+1.0% | $9,451-14.0% | $6,935+17.2% |