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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 | $41,899 | $81,487-48.6% | $102,412-59.1% | $80,935-48.2% |
| Participation rate | 58.3% | 66.8%-8.5pp | 74.5%-16.2pp | 67.7%-9.3pp |
| Annual return | 20.09% | 25.60%-5.5pp | 24.94%-4.8pp | 35.66%-15.6pp |
| Employer contribution / active EE | $2,230 | $3,103-28.1% | $3,870-42.4% | $2,757-19.1% |
| Participant deferral / active EE | $4,243 | $3,871+9.6% | $5,060-16.2% | $4,299-1.3% |
| Admin fee / account holder | $625 | $6,717-90.7% | $8,388-92.5% | $6,924-91.0% |