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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 | $42,855 | $55,636-23.0% | $81,982-47.7% | $73,497-41.7% |
| Participation rate | 40.2% | 62.3%-22.1pp | 69.3%-29.1pp | 70.7%-30.5pp |
| Annual return | 26.05% | 19.07%+7.0pp | 41.31%-15.3pp | 28.51%-2.5pp |
| Employer contribution / active EE | $848 | $1,625-47.8% | $2,498-66.1% | $2,270-62.6% |
| Participant deferral / active EE | $2,696 | $2,762-2.4% | $3,722-27.6% | $3,740-27.9% |
| Admin fee / account holder | $2,367 | $493+380.4% | $5,665-58.2% | $513+361.4% |