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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 | $49,098 | $56,054-12.4% | $171,082-71.3% | $62,881-21.9% |
| Participation rate | 63.6% | 62.9%+0.8pp | 76.7%-13.1pp | 69.3%-5.7pp |
| Annual return | 7.12% | 22.52%-15.4pp | 32.56%-25.4pp | 20.14%-13.0pp |
| Employer contribution / active EE | $1,061 | $1,731-38.7% | $4,002-73.5% | $2,281-53.5% |
| Participant deferral / active EE | $3,147 | $3,158-0.3% | $4,797-34.4% | $3,203-1.7% |
| Admin fee / account holder | $7,014 | $3,647+92.3% | $8,520-17.7% | $4,296+63.3% |