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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 | $39,674 | $67,894-41.6% | $89,340-55.6% | $82,448-51.9% |
| Participation rate | 46.9% | 64.0%-17.2pp | 69.6%-22.7pp | 68.1%-21.2pp |
| Annual return | 18.40% | 19.21%-0.8pp | 20.57%-2.2pp | 41.64%-23.2pp |
| Employer contribution / active EE | $1,023 | $1,828-44.1% | $2,231-54.2% | $2,551-59.9% |
| Participant deferral / active EE | $2,770 | $3,072-9.8% | $3,823-27.5% | $4,139-33.1% |
| Admin fee / account holder | $1,654 | $5,723-71.1% | $6,704-75.3% | $7,234-77.1% |