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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 | $37,773 | $65,122-42.0% | $135,792-72.2% | $64,097-41.1% |
| Participation rate | 48.6% | 47.1%+1.5pp | 72.6%-24.0pp | 55.2%-6.6pp |
| Annual return | 18.89% | 14.53%+4.4pp | 25.96%-7.1pp | 34.64%-15.8pp |
| Employer contribution / active EE | $1,301 | $1,280+1.7% | $3,496-62.8% | $1,891-31.2% |
| Participant deferral / active EE | $2,245 | $2,219+1.2% | $4,759-52.8% | $3,080-27.1% |
| Admin fee / account holder | $2,966 | $3,120-4.9% | $12,266-75.8% | $3,454-14.1% |