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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 | $43,930 | $73,787-40.5% | $98,716-55.5% | $82,448-46.7% |
| Participation rate | 27.8% | 61.4%-33.6pp | 69.3%-41.5pp | 68.1%-40.3pp |
| Annual return | 20.06% | 18.57%+1.5pp | 31.81%-11.8pp | 41.64%-21.6pp |
| Employer contribution / active EE | $1,416 | $1,511-6.3% | $2,279-37.9% | $2,551-44.5% |
| Participant deferral / active EE | $1,578 | $3,081-48.8% | $4,048-61.0% | $4,139-61.9% |
| Admin fee / account holder | $3,650 | $6,500-43.8% | $8,703-58.1% | $7,234-49.5% |