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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 | $40,118 | $58,493-31.4% | $84,021-52.3% | $72,975-45.0% |
| Participation rate | 53.8% | 61.2%-7.4pp | 69.0%-15.2pp | 69.5%-15.6pp |
| Annual return | 26.70% | 28.93%-2.2pp | 71.32%-44.6pp | 81.01%-54.3pp |
| Employer contribution / active EE | $890 | $1,163-23.5% | $1,984-55.2% | $2,440-63.5% |
| Participant deferral / active EE | $2,651 | $2,394+10.8% | $3,239-18.1% | $3,608-26.5% |
| Admin fee / account holder | $539 | $4,569-88.2% | $6,102-91.2% | $5,124-89.5% |