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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 | $45,749 | $78,015-41.4% | $178,505-74.4% | $80,959-43.5% |
| Participation rate | 48.8% | 65.7%-16.8pp | 77.1%-28.3pp | 67.7%-18.8pp |
| Annual return | 26.92% | 18.10%+8.8pp | 27.16%-0.2pp | 35.67%-8.7pp |
| Employer contribution / active EE | $3,321 | $2,281+45.6% | $3,955-16.0% | $2,757+20.5% |
| Participant deferral / active EE | $6,332 | $4,406+43.7% | $6,280+0.8% | $4,300+47.2% |
| Admin fee / account holder | $2,086 | $7,160-70.9% | $10,428-80.0% | $6,925-69.9% |