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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 | $43,601 | $63,082-30.9% | $81,726-46.7% | $79,856-45.4% |
| Participation rate | 58.3% | 67.5%-9.2pp | 72.0%-13.7pp | 69.6%-11.3pp |
| Annual return | 21.52% | 22.66%-1.1pp | 29.49%-8.0pp | 31.71%-10.2pp |
| Employer contribution / active EE | $1,971 | $1,795+9.8% | $4,311-54.3% | $2,471-20.2% |
| Participant deferral / active EE | $3,364 | $2,780+21.0% | $7,108-52.7% | $3,741-10.1% |
| Admin fee / account holder | $799 | $4,428-82.0% | $5,160-84.5% | $5,306-84.9% |