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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 | $49,929 | $56,894-12.2% | $84,753-41.1% | $62,881-20.6% |
| Participation rate | 51.9% | 68.5%-16.6pp | 76.6%-24.7pp | 69.3%-17.4pp |
| Annual return | 7.70% | 6.30%+1.4pp | 22.78%-15.1pp | 20.14%-12.4pp |
| Employer contribution / active EE | $2,603 | $2,400+8.5% | $3,574-27.2% | $2,281+14.1% |
| Participant deferral / active EE | $1,740 | $2,709-35.8% | $3,712-53.1% | $3,203-45.7% |
| Admin fee / account holder | $2,113 | $3,581-41.0% | $5,333-60.4% | $4,296-50.8% |