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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 | $48,452 | $58,627-17.4% | $76,735-36.9% | $82,448-41.2% |
| Participation rate | 48.4% | 63.2%-14.8pp | 69.5%-21.1pp | 68.1%-19.7pp |
| Annual return | 16.87% | 39.10%-22.2pp | 29.77%-12.9pp | 41.64%-24.8pp |
| Employer contribution / active EE | $1,290 | $1,729-25.4% | $2,454-47.4% | $2,551-49.4% |
| Participant deferral / active EE | $3,278 | $3,134+4.6% | $4,088-19.8% | $4,139-20.8% |
| Admin fee / account holder | $3,077 | $5,323-42.2% | $7,189-57.2% | $7,234-57.5% |