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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 | $54,427 | $81,262-33.0% | $155,602-65.0% | $80,911-32.7% |
| Participation rate | 47.3% | 66.2%-19.0pp | 78.2%-30.9pp | 67.6%-20.4pp |
| Annual return | 15.90% | 33.34%-17.4pp | 64.81%-48.9pp | 35.63%-19.7pp |
| Employer contribution / active EE | $1,642 | $3,102-47.1% | $4,675-64.9% | $2,756-40.4% |
| Participant deferral / active EE | $3,403 | $3,451-1.4% | $5,629-39.5% | $4,297-20.8% |
| Admin fee / account holder | $390 | $7,992-95.1% | $15,923-97.6% | $6,935-94.4% |