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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 | $43,086 | $55,932-23.0% | $76,735-43.9% | $67,986-36.6% |
| Participation rate | 19.5% | 50.8%-31.3pp | 69.5%-50.0pp | 57.2%-37.7pp |
| Annual return | 17.38% | 23.10%-5.7pp | 29.77%-12.4pp | 31.67%-14.3pp |
| Employer contribution / active EE | $1,077 | $1,487-27.5% | $2,454-56.1% | $2,019-46.6% |
| Participant deferral / active EE | $2,064 | $2,558-19.3% | $4,088-49.5% | $3,358-38.5% |
| Admin fee / account holder | $5,585 | $4,907+13.8% | $7,189-22.3% | $3,203+74.4% |