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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 | $29,253 | $64,462-54.6% | $81,482-64.1% | $80,911-63.8% |
| Participation rate | 53.2% | 63.9%-10.7pp | 69.5%-16.3pp | 67.6%-14.5pp |
| Annual return | 18.85% | 16.35%+2.5pp | 24.79%-5.9pp | 35.63%-16.8pp |
| Employer contribution / active EE | $1,231 | $1,979-37.8% | $2,463-50.0% | $2,756-55.3% |
| Participant deferral / active EE | $3,843 | $3,094+24.2% | $3,885-1.1% | $4,297-10.6% |
| Admin fee / account holder | $2,285 | $5,678-59.8% | $5,761-60.3% | $6,935-67.1% |