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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 | $47,836 | $73,787-35.2% | $98,716-51.5% | $82,448-42.0% |
| Participation rate | 40.5% | 61.4%-20.9pp | 69.3%-28.8pp | 68.1%-27.5pp |
| Annual return | 17.32% | 18.57%-1.2pp | 31.81%-14.5pp | 41.64%-24.3pp |
| Employer contribution / active EE | $1,079 | $1,511-28.6% | $2,279-52.6% | $2,551-57.7% |
| Participant deferral / active EE | $4,098 | $3,081+33.0% | $4,048+1.2% | $4,139-1.0% |
| Admin fee / account holder | $1,292 | $6,500-80.1% | $8,703-85.1% | $7,234-82.1% |