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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 | $46,651 | $54,757-14.8% | $90,304-48.3% | $72,975-36.1% |
| Participation rate | 48.4% | 65.2%-16.8pp | 73.3%-24.9pp | 69.5%-21.1pp |
| Annual return | 26.87% | 30.63%-3.8pp | 78.13%-51.3pp | 81.01%-54.1pp |
| Employer contribution / active EE | $639 | $2,093-69.5% | $2,855-77.6% | $2,440-73.8% |
| Participant deferral / active EE | $2,092 | $2,887-27.5% | $3,885-46.1% | $3,608-42.0% |
| Admin fee / account holder | $424 | $3,973-89.3% | $5,354-92.1% | $5,124-91.7% |