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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 | $40,608 | $36,140+12.4% | $73,658-44.9% | $64,340-36.9% |
| Participation rate | 46.1% | 31.0%+15.0pp | 57.0%-11.0pp | 55.2%-9.2pp |
| Annual return | 15.08% | 21.48%-6.4pp | 29.72%-14.6pp | 24.14%-9.1pp |
| Employer contribution / active EE | $0 | $443-100.0% | $1,032-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,131 | $1,023+10.6% | $2,062-45.1% | $2,980-62.0% |
| Admin fee / account holder | $1,321 | $2,513-47.4% | $3,357-60.6% | $3,703-64.3% |