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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 | $47,752 | $71,230-33.0% | $93,727-49.1% | $80,959-41.0% |
| Participation rate | 44.4% | 60.4%-16.0pp | 68.7%-24.3pp | 67.7%-23.2pp |
| Annual return | 11.57% | 11.26%+0.3pp | 133.83%-122.3pp | 35.67%-24.1pp |
| Employer contribution / active EE | $1,282 | $1,565-18.1% | $2,421-47.0% | $2,757-53.5% |
| Participant deferral / active EE | $1,962 | $4,037-51.4% | $4,417-55.6% | $4,300-54.4% |
| Admin fee / account holder | $6,121 | $6,961-12.1% | $8,292-26.2% | $6,925-11.6% |