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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 | $45,383 | $53,774-15.6% | $134,162-66.2% | $79,852-43.2% |
| Participation rate | 42.4% | 58.8%-16.3pp | 72.2%-29.8pp | 69.6%-27.2pp |
| Annual return | 23.97% | 19.01%+5.0pp | 36.35%-12.4pp | 31.72%-7.7pp |
| Employer contribution / active EE | $1,334 | $1,322+0.9% | $3,705-64.0% | $2,471-46.0% |
| Participant deferral / active EE | $3,634 | $2,420+50.2% | $3,500+3.8% | $3,740-2.8% |
| Admin fee / account holder | $646 | $3,985-83.8% | $6,685-90.3% | $5,306-87.8% |