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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 | $44,934 | $81,504-44.9% | $102,437-56.1% | $80,959-44.5% |
| Participation rate | 39.7% | 66.9%-27.2pp | 74.5%-34.8pp | 67.7%-28.0pp |
| Annual return | 12.75% | 25.60%-12.8pp | 24.95%-12.2pp | 35.67%-22.9pp |
| Employer contribution / active EE | $3,904 | $3,104+25.8% | $3,871+0.9% | $2,757+41.6% |
| Participant deferral / active EE | $4,356 | $3,871+12.5% | $5,060-13.9% | $4,300+1.3% |
| Admin fee / account holder | $6,690 | $6,719-0.4% | $8,388-20.2% | $6,925-3.4% |