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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 | $45,929 | $76,407-39.9% | $150,298-69.4% | $82,448-44.3% |
| Participation rate | 59.8% | 66.4%-6.6pp | 77.8%-18.0pp | 68.1%-8.3pp |
| Annual return | 16.76% | 39.99%-23.2pp | 62.79%-46.0pp | 41.64%-24.9pp |
| Employer contribution / active EE | $1,882 | $2,614-28.0% | $4,154-54.7% | $2,551-26.2% |
| Participant deferral / active EE | $3,983 | $3,214+23.9% | $5,453-27.0% | $4,139-3.8% |
| Admin fee / account holder | $3,594 | $6,352-43.4% | $14,116-74.5% | $7,234-50.3% |