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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 | $47,594 | $54,045-11.9% | $115,170-58.7% | $65,185-27.0% |
| Participation rate | 61.0% | 63.5%-2.6pp | 75.9%-15.0pp | 70.2%-9.2pp |
| Annual return | 20.37% | 26.55%-6.2pp | 35.60%-15.2pp | 29.38%-9.0pp |
| Employer contribution / active EE | $1,080 | $1,653-34.7% | $3,179-66.0% | $2,177-50.4% |
| Participant deferral / active EE | $2,181 | $2,504-12.9% | $4,169-47.7% | $3,514-37.9% |
| Admin fee / account holder | $1,668 | $626+166.6% | $7,089-76.5% | $847+96.9% |