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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 | $47,127 | $63,845-26.2% | $81,370-42.1% | $80,959-41.8% |
| Participation rate | 40.0% | 63.9%-23.9pp | 69.5%-29.5pp | 67.7%-27.7pp |
| Annual return | 13.51% | 16.37%-2.9pp | 24.85%-11.3pp | 35.67%-22.2pp |
| Employer contribution / active EE | $1,299 | $1,980-34.4% | $2,464-47.3% | $2,757-52.9% |
| Participant deferral / active EE | $2,844 | $3,093-8.0% | $3,885-26.8% | $4,300-33.9% |
| Admin fee / account holder | $14,032 | $5,688+146.7% | $5,749+144.1% | $6,925+102.6% |