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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 | $46,452 | $57,590-19.3% | $86,233-46.1% | $82,448-43.7% |
| Participation rate | 26.4% | 57.9%-31.5pp | 69.0%-42.6pp | 68.1%-41.7pp |
| Annual return | 22.60% | 22.41%+0.2pp | 61.39%-38.8pp | 41.64%-19.0pp |
| Employer contribution / active EE | $1,027 | $1,655-37.9% | $2,504-59.0% | $2,551-59.7% |
| Participant deferral / active EE | $3,495 | $3,080+13.5% | $4,559-23.3% | $4,139-15.6% |
| Admin fee / account holder | $4,900 | $4,730+3.6% | $8,342-41.3% | $7,234-32.3% |