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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 | $43,472 | $73,787-41.1% | $98,716-56.0% | $82,448-47.3% |
| Participation rate | 57.9% | 61.4%-3.5pp | 69.3%-11.4pp | 68.1%-10.2pp |
| Annual return | 17.32% | 18.57%-1.2pp | 31.81%-14.5pp | 41.64%-24.3pp |
| Employer contribution / active EE | $1,276 | $1,511-15.5% | $2,279-44.0% | $2,551-50.0% |
| Participant deferral / active EE | $1,723 | $3,081-44.1% | $4,048-57.4% | $4,139-58.4% |
| Admin fee / account holder | $7,443 | $6,500+14.5% | $8,703-14.5% | $7,234+2.9% |