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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 | $43,485 | $56,438-23.0% | $76,872-43.4% | $71,511-39.2% |
| Participation rate | 31.1% | 64.3%-33.2pp | 69.6%-38.5pp | 67.9%-36.8pp |
| Annual return | 20.01% | 19.05%+1.0pp | 37.90%-17.9pp | 28.86%-8.8pp |
| Employer contribution / active EE | $904 | $1,864-51.5% | $2,533-64.3% | $2,589-65.1% |
| Participant deferral / active EE | $2,421 | $3,136-22.8% | $3,832-36.8% | $4,291-43.6% |
| Admin fee / account holder | $3,001 | $1,430+109.8% | $5,476-45.2% | $1,588+88.9% |