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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 | $43,016 | $99,345-56.7% | $84,753-49.2% | $273,970-84.3% |
| Participation rate | 63.6% | 80.7%-17.1pp | 76.6%-13.0pp | 83.0%-19.4pp |
| Annual return | 7.59% | 22.93%-15.3pp | 22.78%-15.2pp | 41.46%-33.9pp |
| Employer contribution / active EE | $2,341 | $4,214-44.4% | $3,574-34.5% | $4,869-51.9% |
| Participant deferral / active EE | $4,346 | $4,270+1.8% | $3,712+17.1% | $5,287-17.8% |
| Admin fee / account holder | $961 | $6,645-85.5% | $5,333-82.0% | $10,132-90.5% |