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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 | $39,744 | $56,894-30.1% | $84,753-53.1% | $62,881-36.8% |
| Participation rate | 61.5% | 68.5%-7.0pp | 76.6%-15.1pp | 69.3%-7.8pp |
| Annual return | 7.37% | 6.30%+1.1pp | 22.78%-15.4pp | 20.14%-12.8pp |
| Employer contribution / active EE | $1,328 | $2,400-44.6% | $3,574-62.8% | $2,281-41.8% |
| Participant deferral / active EE | $2,414 | $2,709-10.9% | $3,712-35.0% | $3,203-24.6% |
| Admin fee / account holder | $6,486 | $3,581+81.1% | $5,333+21.6% | $4,296+51.0% |