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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 | $47,038 | $59,839-21.4% | $81,991-42.6% | $79,852-41.1% |
| Participation rate | 67.7% | 61.6%+6.1pp | 69.3%-1.5pp | 69.6%-1.9pp |
| Annual return | 14.76% | 17.56%-2.8pp | 41.31%-26.6pp | 31.72%-17.0pp |
| Employer contribution / active EE | $1,063 | $1,713-37.9% | $2,498-57.4% | $2,471-57.0% |
| Participant deferral / active EE | $2,065 | $2,695-23.4% | $3,722-44.5% | $3,740-44.8% |
| Admin fee / account holder | $1,314 | $4,287-69.3% | $5,665-76.8% | $5,306-75.2% |