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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 | $47,992 | $48,078-0.2% | $78,676-39.0% | $62,881-23.7% |
| Participation rate | 50.0% | 65.2%-15.2pp | 73.6%-23.6pp | 69.3%-19.3pp |
| Annual return | 5.86% | 31.36%-25.5pp | 62.19%-56.3pp | 20.14%-14.3pp |
| Employer contribution / active EE | $644 | $2,015-68.0% | $2,850-77.4% | $2,281-71.8% |
| Participant deferral / active EE | $1,705 | $2,587-34.1% | $3,517-51.5% | $3,203-46.8% |
| Admin fee / account holder | $2,891 | $3,206-9.8% | $4,510-35.9% | $4,296-32.7% |