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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 | $48,104 | $51,466-6.5% | $78,778-38.9% | $62,293-22.8% |
| Participation rate | 40.6% | 59.8%-19.2pp | 69.2%-28.6pp | 69.5%-28.9pp |
| Annual return | 18.52% | 19.96%-1.4pp | 35.62%-17.1pp | 28.90%-10.4pp |
| Employer contribution / active EE | $990 | $827+19.6% | $1,986-50.2% | $2,042-51.5% |
| Participant deferral / active EE | $2,280 | $2,147+6.2% | $2,958-22.9% | $3,169-28.1% |
| Admin fee / account holder | $4,297 | $489+778.1% | $5,134-16.3% | $479+796.4% |