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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 | $39,859 | $86,940-54.2% | $102,434-61.1% | $80,935-50.8% |
| Participation rate | 52.8% | 72.4%-19.6pp | 76.5%-23.7pp | 67.7%-14.9pp |
| Annual return | 20.07% | 18.89%+1.2pp | 29.46%-9.4pp | 35.66%-15.6pp |
| Employer contribution / active EE | $2,258 | $2,370-4.7% | $3,023-25.3% | $2,757-18.1% |
| Participant deferral / active EE | $5,082 | $4,121+23.3% | $5,055+0.5% | $4,299+18.2% |
| Admin fee / account holder | $7,384 | $8,047-8.2% | $9,462-22.0% | $6,924+6.6% |