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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 | $45,484 | $59,804-23.9% | $81,982-44.5% | $79,856-43.0% |
| Participation rate | 43.3% | 61.6%-18.3pp | 69.3%-26.0pp | 69.6%-26.4pp |
| Annual return | 11.27% | 17.56%-6.3pp | 41.31%-30.0pp | 31.71%-20.4pp |
| Employer contribution / active EE | $345 | $1,713-79.8% | $2,498-86.2% | $2,471-86.0% |
| Participant deferral / active EE | $1,849 | $2,695-31.4% | $3,722-50.3% | $3,741-50.6% |
| Admin fee / account holder | $3,255 | $4,288-24.1% | $5,665-42.5% | $5,306-38.7% |