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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 | $48,519 | $49,025-1.0% | $87,502-44.6% | $62,881-22.8% |
| Participation rate | 45.2% | 64.9%-19.7pp | 73.8%-28.7pp | 69.3%-24.1pp |
| Annual return | 8.99% | 10.02%-1.0pp | 12.21%-3.2pp | 20.14%-11.2pp |
| Employer contribution / active EE | $1,010 | $1,372-26.4% | $2,550-60.4% | $2,281-55.7% |
| Participant deferral / active EE | $2,026 | $2,289-11.5% | $3,149-35.7% | $3,203-36.7% |
| Admin fee / account holder | $2,137 | $4,065-47.4% | $4,221-49.4% | $4,296-50.2% |