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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 | $41,797 | $95,453-56.2% | $112,040-62.7% | $82,448-49.3% |
| Participation rate | 36.0% | 72.8%-36.8pp | 76.5%-40.5pp | 68.1%-32.1pp |
| Annual return | 17.86% | 23.92%-6.1pp | 24.52%-6.7pp | 41.64%-23.8pp |
| Employer contribution / active EE | $1,089 | $2,318-53.0% | $2,954-63.1% | $2,551-57.3% |
| Participant deferral / active EE | $4,031 | $4,224-4.6% | $5,098-20.9% | $4,139-2.6% |
| Admin fee / account holder | $992 | $9,013-89.0% | $12,098-91.8% | $7,234-86.3% |