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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 | $45,189 | $37,446+20.7% | $77,513-41.7% | $79,852-43.4% |
| Participation rate | 23.3% | 41.5%-18.3pp | 54.2%-30.9pp | 69.6%-46.4pp |
| Annual return | 14.40% | 39.76%-25.4pp | 54.81%-40.4pp | 31.72%-17.3pp |
| Employer contribution / active EE | $277 | $637-56.6% | $987-72.0% | $2,471-88.8% |
| Participant deferral / active EE | $1,246 | $1,261-1.1% | $1,861-33.0% | $3,740-66.7% |
| Admin fee / account holder | $3,246 | $2,506+29.5% | $2,859+13.5% | $5,306-38.8% |