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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 | $68,619 | $86,949-21.1% | $102,460-33.0% | $80,959-15.2% |
| Participation rate | 48.9% | 72.4%-23.5pp | 76.5%-27.6pp | 67.7%-18.8pp |
| Annual return | 13.48% | 18.89%-5.4pp | 29.47%-16.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $1,506 | $2,370-36.5% | $3,025-50.2% | $2,757-45.4% |
| Participant deferral / active EE | $3,943 | $4,121-4.3% | $5,056-22.0% | $4,300-8.3% |
| Admin fee / account holder | $4,649 | $8,048-42.2% | $9,460-50.9% | $6,925-32.9% |