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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 | $49,691 | $73,787-32.7% | $98,716-49.7% | $82,448-39.7% |
| Participation rate | 55.0% | 61.4%-6.4pp | 69.3%-14.3pp | 68.1%-13.1pp |
| Annual return | 27.29% | 18.57%+8.7pp | 31.81%-4.5pp | 41.64%-14.3pp |
| Employer contribution / active EE | $1,545 | $1,511+2.2% | $2,279-32.2% | $2,551-39.4% |
| Participant deferral / active EE | $3,446 | $3,081+11.8% | $4,048-14.9% | $4,139-16.7% |
| Admin fee / account holder | $4,419 | $6,500-32.0% | $8,703-49.2% | $7,234-38.9% |