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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 | $37,840 | $61,390-38.4% | $112,228-66.3% | $75,177-49.7% |
| Participation rate | 54.1% | 61.6%-7.5pp | 72.4%-18.3pp | 67.2%-13.1pp |
| Annual return | 13.28% | 28.47%-15.2pp | 30.23%-17.0pp | 160.75%-147.5pp |
| Employer contribution / active EE | $2,011 | $2,015-0.2% | $3,432-41.4% | $2,671-24.7% |
| Participant deferral / active EE | $2,895 | $3,108-6.9% | $4,800-39.7% | $4,126-29.8% |
| Admin fee / account holder | $5,565 | $4,862+14.5% | $7,752-28.2% | $5,651-1.5% |