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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 | $27,706 | $51,166-45.9% | $70,544-60.7% | $71,511-61.3% |
| Participation rate | 44.6% | 59.4%-14.7pp | 68.4%-23.7pp | 67.9%-23.3pp |
| Annual return | 21.27% | 42.71%-21.4pp | 32.79%-11.5pp | 28.86%-7.6pp |
| Employer contribution / active EE | $1,955 | $1,793+9.0% | $2,976-34.3% | $2,589-24.5% |
| Participant deferral / active EE | $4,243 | $3,031+40.0% | $4,568-7.1% | $4,291-1.1% |
| Admin fee / account holder | $2,994 | $2,000+49.7% | $6,427-53.4% | $1,588+88.5% |