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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 | $43,996 | $57,119-23.0% | $85,187-48.4% | $80,935-45.6% |
| Participation rate | 59.1% | 56.4%+2.7pp | 67.5%-8.4pp | 67.7%-8.6pp |
| Annual return | 15.68% | 21.70%-6.0pp | 66.67%-51.0pp | 35.66%-20.0pp |
| Employer contribution / active EE | $1,979 | $1,802+9.8% | $2,732-27.6% | $2,757-28.2% |
| Participant deferral / active EE | $3,252 | $3,115+4.4% | $4,525-28.1% | $4,299-24.4% |
| Admin fee / account holder | $1,350 | $4,990-73.0% | $6,162-78.1% | $6,924-80.5% |