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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 | $45,079 | $69,444-35.1% | $92,985-51.5% | $87,485-48.5% |
| Participation rate | 43.8% | 63.3%-19.5pp | 69.5%-25.7pp | 68.9%-25.1pp |
| Annual return | 15.42% | 23.85%-8.4pp | 27.99%-12.6pp | 26.06%-10.6pp |
| Employer contribution / active EE | $1,384 | $1,917-27.8% | $2,662-48.0% | $2,596-46.7% |
| Participant deferral / active EE | $2,603 | $3,364-22.6% | $4,377-40.5% | $4,274-39.1% |
| Admin fee / account holder | $5,210 | $6,137-15.1% | $9,463-44.9% | $7,775-33.0% |