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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 | $42,272 | $53,777-21.4% | $134,155-68.5% | $79,858-47.1% |
| Participation rate | 44.2% | 58.8%-14.6pp | 72.2%-28.0pp | 69.6%-25.4pp |
| Annual return | 20.34% | 19.01%+1.3pp | 36.34%-16.0pp | 31.72%-11.4pp |
| Employer contribution / active EE | $639 | $1,321-51.6% | $3,705-82.7% | $2,471-74.1% |
| Participant deferral / active EE | $1,927 | $2,420-20.4% | $3,500-44.9% | $3,740-48.5% |
| Admin fee / account holder | $4,182 | $3,984+5.0% | $6,685-37.4% | $5,306-21.2% |