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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 | $45,964 | $67,602-32.0% | $82,312-44.2% | $70,126-34.5% |
| Participation rate | 64.3% | 72.8%-8.5pp | 76.9%-12.6pp | 69.5%-5.3pp |
| Annual return | 13.52% | 21.57%-8.0pp | 25.88%-12.4pp | 73.15%-59.6pp |
| Employer contribution / active EE | $814 | $1,755-53.6% | $2,428-66.5% | $2,343-65.2% |
| Participant deferral / active EE | $2,751 | $2,987-7.9% | $3,706-25.8% | $3,332-17.4% |
| Admin fee / account holder | $13,466 | $4,512+198.5% | $5,608+140.1% | $4,645+189.9% |