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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 | $43,332 | $80,983-46.5% | $96,544-55.1% | $75,177-42.4% |
| Participation rate | 36.8% | 71.8%-34.9pp | 76.0%-39.1pp | 67.2%-30.4pp |
| Annual return | 16.80% | 27.05%-10.3pp | 25.88%-9.1pp | 160.75%-144.0pp |
| Employer contribution / active EE | $1,661 | $2,282-27.2% | $2,966-44.0% | $2,671-37.8% |
| Participant deferral / active EE | $4,074 | $3,929+3.7% | $4,851-16.0% | $4,126-1.3% |
| Admin fee / account holder | $7,984 | $6,717+18.9% | $8,254-3.3% | $5,651+41.3% |