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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 | $52,682-14.4% | $78,004-42.2% | $64,097-29.7% |
| Participation rate | 49.4% | 47.7%+1.7pp | 69.4%-20.0pp | 55.2%-5.8pp |
| Annual return | 15.55% | 22.45%-6.9pp | 31.07%-15.5pp | 34.64%-19.1pp |
| Employer contribution / active EE | $929 | $1,323-29.8% | $2,469-62.4% | $1,891-50.9% |
| Participant deferral / active EE | $2,365 | $2,346+0.8% | $4,092-42.2% | $3,080-23.2% |
| Admin fee / account holder | $3,392 | $5,420-37.4% | $7,578-55.2% | $3,454-1.8% |