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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 | $42,331 | $88,707-52.3% | $74,184-42.9% | $273,972-84.5% |
| Participation rate | 47.6% | 79.4%-31.8pp | 76.6%-29.0pp | 83.0%-35.4pp |
| Annual return | 15.01% | 11.94%+3.1pp | 17.74%-2.7pp | 41.46%-26.4pp |
| Employer contribution / active EE | $2,483 | $3,159-21.4% | $2,370+4.7% | $4,869-49.0% |
| Participant deferral / active EE | $8,157 | $4,212+93.7% | $3,550+129.8% | $5,287+54.3% |
| Admin fee / account holder | $2,077 | $8,717-76.2% | $5,586-62.8% | $10,133-79.5% |