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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 | $48,697 | $58,587-16.9% | $83,322-41.6% | $64,173-24.1% |
| Participation rate | 49.4% | 72.0%-22.6pp | 77.8%-28.4pp | 69.6%-20.2pp |
| Annual return | 0.84% | 9.65%-8.8pp | 10.64%-9.8pp | 7.63%-6.8pp |
| Employer contribution / active EE | $2,178 | $2,098+3.8% | $3,379-35.5% | $2,381-8.5% |
| Participant deferral / active EE | $2,753 | $4,654-40.9% | $5,565-50.5% | $3,470-20.7% |
| Admin fee / account holder | $9,049 | $9,279-2.5% | $7,540+20.0% | $4,887+85.1% |