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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 | $44,430 | $81,334-45.4% | $113,397-60.8% | $64,097-30.7% |
| Participation rate | 60.5% | 65.6%-5.1pp | 76.5%-16.0pp | 55.2%+5.3pp |
| Annual return | 17.93% | 32.50%-14.6pp | 23.20%-5.3pp | 34.64%-16.7pp |
| Employer contribution / active EE | $1,832 | $2,077-11.8% | $2,977-38.5% | $1,891-3.1% |
| Participant deferral / active EE | $3,247 | $3,795-14.5% | $5,076-36.0% | $3,080+5.4% |
| Admin fee / account holder | $3,704 | $4,208-12.0% | $11,957-69.0% | $3,454+7.2% |