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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 | $46,426 | $56,894-18.4% | $84,753-45.2% | $62,881-26.2% |
| Participation rate | 43.5% | 68.5%-25.1pp | 76.6%-33.1pp | 69.3%-25.8pp |
| Annual return | 5.88% | 6.30%-0.4pp | 22.78%-16.9pp | 20.14%-14.3pp |
| Employer contribution / active EE | $1,515 | $2,400-36.9% | $3,574-57.6% | $2,281-33.6% |
| Participant deferral / active EE | $2,787 | $2,709+2.9% | $3,712-24.9% | $3,203-13.0% |
| Admin fee / account holder | $2,171 | $3,581-39.4% | $5,333-59.3% | $4,296-49.5% |