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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 | $45,565 | $55,713-18.2% | $75,894-40.0% | $72,983-37.6% |
| Participation rate | 57.0% | 61.1%-4.2pp | 69.3%-12.3pp | 69.5%-12.5pp |
| Annual return | 20.60% | 27.60%-7.0pp | 30.76%-10.2pp | 81.01%-60.4pp |
| Employer contribution / active EE | $748 | $1,687-55.6% | $2,501-70.1% | $2,440-69.3% |
| Participant deferral / active EE | $2,076 | $2,634-21.2% | $3,603-42.4% | $3,608-42.4% |
| Admin fee / account holder | $5,066 | $3,980+27.3% | $5,420-6.5% | $5,124-1.1% |