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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 | $43,917 | $74,535-41.1% | $100,712-56.4% | $82,637-46.9% |
| Participation rate | 62.0% | 61.2%+0.8pp | 69.3%-7.3pp | 68.1%-6.1pp |
| Annual return | 17.25% | 18.92%-1.7pp | 33.27%-16.0pp | 53.51%-36.3pp |
| Employer contribution / active EE | $484 | $1,503-67.8% | $2,313-79.1% | $2,552-81.1% |
| Participant deferral / active EE | $2,498 | $3,074-18.7% | $4,085-38.8% | $4,126-39.4% |
| Admin fee / account holder | $1,921 | $6,576-70.8% | $9,256-79.2% | $7,339-73.8% |