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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 | $43,995 | $101,795-56.8% | $165,100-73.4% | $80,959-45.7% |
| Participation rate | 68.7% | 71.8%-3.2pp | 78.6%-10.0pp | 67.7%+1.0pp |
| Annual return | 15.20% | 16.73%-1.5pp | 70.21%-55.0pp | 35.67%-20.5pp |
| Employer contribution / active EE | $2,230 | $2,954-24.5% | $4,348-48.7% | $2,757-19.1% |
| Participant deferral / active EE | $3,327 | $4,476-25.7% | $6,035-44.9% | $4,300-22.6% |
| Admin fee / account holder | $8,435 | $8,221+2.6% | $12,696-33.6% | $6,925+21.8% |