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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 | $45,605 | $58,493-22.0% | $84,023-45.7% | $72,976-37.5% |
| Participation rate | 47.8% | 61.2%-13.4pp | 69.0%-21.2pp | 69.5%-21.7pp |
| Annual return | 19.71% | 28.93%-9.2pp | 71.32%-51.6pp | 81.02%-61.3pp |
| Employer contribution / active EE | $944 | $1,163-18.8% | $1,984-52.4% | $2,440-61.3% |
| Participant deferral / active EE | $2,255 | $2,394-5.8% | $3,239-30.4% | $3,608-37.5% |
| Admin fee / account holder | $859 | $4,569-81.2% | $6,102-85.9% | $5,124-83.2% |