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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 | $45,075 | $56,121-19.7% | $92,985-51.5% | $64,340-29.9% |
| Participation rate | 49.4% | 44.9%+4.5pp | 69.5%-20.1pp | 55.2%-5.8pp |
| Annual return | 15.55% | 19.19%-3.6pp | 27.99%-12.4pp | 24.14%-8.6pp |
| Employer contribution / active EE | $929 | $1,351-31.3% | $2,662-65.1% | $1,862-50.1% |
| Participant deferral / active EE | $2,365 | $2,362+0.1% | $4,377-46.0% | $2,980-20.7% |
| Admin fee / account holder | $3,392 | $6,869-50.6% | $9,463-64.2% | $3,703-8.4% |