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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 | $47,520 | $100,784-52.8% | $191,597-75.2% | $82,637-42.5% |
| Participation rate | 51.4% | 70.5%-19.1pp | 76.9%-25.6pp | 68.1%-16.7pp |
| Annual return | 14.48% | 18.13%-3.6pp | 27.07%-12.6pp | 53.51%-39.0pp |
| Employer contribution / active EE | $1,308 | $3,102-57.8% | $5,025-74.0% | $2,552-48.8% |
| Participant deferral / active EE | $2,370 | $4,937-52.0% | $6,850-65.4% | $4,126-42.6% |
| Admin fee / account holder | $7,700 | $10,062-23.5% | $22,799-66.2% | $7,339+4.9% |