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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 | $55,905 | $59,335-5.8% | $129,031-56.7% | $69,733-19.8% |
| Participation rate | 45.4% | 43.3%+2.1pp | 73.4%-28.0pp | 62.5%-17.1pp |
| Annual return | 12.49% | 19.52%-7.0pp | 34.67%-22.2pp | 15.22%-2.7pp |
| Employer contribution / active EE | $314 | $1,639-80.8% | $3,226-90.3% | $2,250-86.0% |
| Participant deferral / active EE | $1,873 | $2,485-24.6% | $5,217-64.1% | $3,054-38.7% |
| Admin fee / account holder | $3,415 | $3,940-13.3% | $13,208-74.1% | $3,102+10.1% |