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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 | $44,796 | $63,456-29.4% | $100,712-55.5% | $64,097-30.1% |
| Participation rate | 42.9% | 49.7%-6.8pp | 69.3%-26.4pp | 55.2%-12.3pp |
| Annual return | 14.63% | 19.65%-5.0pp | 33.27%-18.6pp | 34.64%-20.0pp |
| Employer contribution / active EE | $746 | $1,003-25.6% | $2,313-67.7% | $1,891-60.5% |
| Participant deferral / active EE | $1,277 | $2,463-48.2% | $4,085-68.7% | $3,080-58.5% |
| Admin fee / account holder | $5,718 | $4,808+18.9% | $9,256-38.2% | $3,454+65.5% |