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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 | $42,212 | $69,590-39.3% | $136,867-69.2% | $94,015-55.1% |
| Participation rate | 52.0% | 66.3%-14.3pp | 74.5%-22.5pp | 70.8%-18.8pp |
| Annual return | 24.23% | 19.62%+4.6pp | 42.97%-18.7pp | 17.84%+6.4pp |
| Employer contribution / active EE | $2,019 | $2,396-15.8% | $3,547-43.1% | $2,790-27.6% |
| Participant deferral / active EE | $2,618 | $3,437-23.8% | $4,924-46.8% | $4,249-38.4% |
| Admin fee / account holder | $4,129 | $8,912-53.7% | $10,340-60.1% | $8,951-53.9% |