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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 | $43,115 | $58,577-26.4% | $83,323-48.3% | $64,181-32.8% |
| Participation rate | 63.9% | 72.0%-8.1pp | 77.8%-13.8pp | 69.6%-5.7pp |
| Annual return | 1.27% | 9.65%-8.4pp | 10.63%-9.4pp | 7.63%-6.4pp |
| Employer contribution / active EE | $2,573 | $2,098+22.6% | $3,379-23.8% | $2,381+8.1% |
| Participant deferral / active EE | $4,715 | $4,654+1.3% | $5,565-15.3% | $3,470+35.9% |
| Admin fee / account holder | $2,592 | $9,275-72.1% | $7,539-65.6% | $4,887-47.0% |