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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 | $43,931 | $65,246-32.7% | $98,716-55.5% | $67,986-35.4% |
| Participation rate | 28.4% | 51.4%-23.0pp | 69.3%-40.9pp | 57.2%-28.8pp |
| Annual return | 19.40% | 20.58%-1.2pp | 31.81%-12.4pp | 31.67%-12.3pp |
| Employer contribution / active EE | $876 | $1,042-16.0% | $2,279-61.6% | $2,019-56.6% |
| Participant deferral / active EE | $1,971 | $2,594-24.0% | $4,048-51.3% | $3,358-41.3% |
| Admin fee / account holder | $1,721 | $4,561-62.3% | $8,703-80.2% | $3,203-46.3% |