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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 | $53,759 | $67,602-20.5% | $82,312-34.7% | $70,126-23.3% |
| Participation rate | 58.1% | 72.8%-14.6pp | 76.9%-18.8pp | 69.5%-11.4pp |
| Annual return | 15.22% | 21.57%-6.3pp | 25.88%-10.7pp | 73.15%-57.9pp |
| Employer contribution / active EE | $457 | $1,755-73.9% | $2,428-81.2% | $2,343-80.5% |
| Participant deferral / active EE | $2,161 | $2,987-27.7% | $3,706-41.7% | $3,332-35.1% |
| Admin fee / account holder | $1,070 | $4,512-76.3% | $5,608-80.9% | $4,645-77.0% |