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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 | $46,770 | $51,466-9.1% | $78,778-40.6% | $62,293-24.9% |
| Participation rate | 49.3% | 59.8%-10.5pp | 69.2%-19.9pp | 69.5%-20.2pp |
| Annual return | 28.82% | 19.96%+8.9pp | 35.62%-6.8pp | 28.90%-0.1pp |
| Employer contribution / active EE | $302 | $827-63.5% | $1,986-84.8% | $2,042-85.2% |
| Participant deferral / active EE | $2,052 | $2,147-4.5% | $2,958-30.6% | $3,169-35.3% |
| Admin fee / account holder | $3,925 | $489+702.2% | $5,134-23.5% | $479+718.9% |