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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 | $43,908 | $50,947-13.8% | $74,551-41.1% | $64,173-31.6% |
| Participation rate | 33.3% | 61.1%-27.7pp | 69.1%-35.8pp | 69.6%-36.2pp |
| Annual return | 3.60% | -1.85%+5.5pp | 32.53%-28.9pp | 7.63%-4.0pp |
| Employer contribution / active EE | $1,162 | $1,115+4.2% | $1,961-40.8% | $2,381-51.2% |
| Participant deferral / active EE | $2,812 | $2,302+22.2% | $3,108-9.5% | $3,470-18.9% |
| Admin fee / account holder | $950 | $4,221-77.5% | $5,059-81.2% | $4,887-80.6% |