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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 | $42,093 | $86,938-51.6% | $102,423-58.9% | $80,925-48.0% |
| Participation rate | 59.6% | 72.4%-12.8pp | 76.5%-16.9pp | 67.7%-8.1pp |
| Annual return | 17.88% | 18.89%-1.0pp | 29.42%-11.5pp | 35.65%-17.8pp |
| Employer contribution / active EE | $1,816 | $2,369-23.4% | $3,023-39.9% | $2,756-34.1% |
| Participant deferral / active EE | $4,357 | $4,120+5.7% | $5,054-13.8% | $4,299+1.4% |
| Admin fee / account holder | $2,043 | $8,053-74.6% | $9,455-78.4% | $6,940-70.6% |