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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 | $45,028 | $49,024-8.2% | $112,860-60.1% | $87,485-48.5% |
| Participation rate | 39.3% | 62.2%-22.9pp | 66.3%-27.0pp | 68.9%-29.6pp |
| Annual return | 17.93% | 43.86%-25.9pp | 35.26%-17.3pp | 26.06%-8.1pp |
| Employer contribution / active EE | $1,020 | $1,290-20.9% | $2,206-53.7% | $2,596-60.7% |
| Participant deferral / active EE | $1,153 | $2,209-47.8% | $3,493-67.0% | $4,274-73.0% |
| Admin fee / account holder | $12,133 | $6,266+93.6% | $6,841+77.3% | $7,775+56.1% |