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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 | $48,464 | $43,075+12.5% | $74,577-35.0% | $62,881-22.9% |
| Participation rate | 53.3% | 58.1%-4.7pp | 68.1%-14.8pp | 69.3%-16.0pp |
| Annual return | 8.56% | 17.50%-8.9pp | 20.47%-11.9pp | 20.14%-11.6pp |
| Employer contribution / active EE | $1,308 | $1,498-12.6% | $2,525-48.2% | $2,281-42.6% |
| Participant deferral / active EE | $3,230 | $2,389+35.2% | $3,458-6.6% | $3,203+0.9% |
| Admin fee / account holder | $1,153 | $2,840-59.4% | $4,138-72.1% | $4,296-73.2% |