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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 | $43,065 | $95,404-54.9% | $113,397-62.0% | $82,637-47.9% |
| Participation rate | 52.4% | 72.8%-20.4pp | 76.5%-24.1pp | 68.1%-15.6pp |
| Annual return | 17.15% | 19.08%-1.9pp | 23.20%-6.0pp | 53.51%-36.4pp |
| Employer contribution / active EE | $954 | $2,307-58.6% | $2,977-68.0% | $2,552-62.6% |
| Participant deferral / active EE | $2,445 | $4,220-42.0% | $5,076-51.8% | $4,126-40.7% |
| Admin fee / account holder | $2,888 | $9,168-68.5% | $11,957-75.8% | $7,339-60.7% |