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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 | $46,401 | $49,025-5.4% | $87,502-47.0% | $62,881-26.2% |
| Participation rate | 52.7% | 64.9%-12.2pp | 73.8%-21.1pp | 69.3%-16.6pp |
| Annual return | 9.36% | 10.02%-0.7pp | 12.21%-2.9pp | 20.14%-10.8pp |
| Employer contribution / active EE | $367 | $1,372-73.2% | $2,550-85.6% | $2,281-83.9% |
| Participant deferral / active EE | $3,191 | $2,289+39.4% | $3,149+1.3% | $3,203-0.4% |
| Admin fee / account holder | $1,140 | $4,065-72.0% | $4,221-73.0% | $4,296-73.5% |