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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 | $46,452 | $72,273-35.7% | $101,275-54.1% | $79,856-41.8% |
| Participation rate | 44.4% | 68.5%-24.0pp | 75.8%-31.4pp | 69.6%-25.2pp |
| Annual return | 17.72% | 22.30%-4.6pp | 46.48%-28.8pp | 31.71%-14.0pp |
| Employer contribution / active EE | $904 | $2,691-66.4% | $3,660-75.3% | $2,471-63.4% |
| Participant deferral / active EE | $3,641 | $3,282+11.0% | $4,371-16.7% | $3,741-2.7% |
| Admin fee / account holder | $325 | $4,401-92.6% | $5,948-94.5% | $5,306-93.9% |