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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 | $43,039 | $65,246-34.0% | $98,716-56.4% | $67,986-36.7% |
| Participation rate | 44.2% | 51.4%-7.2pp | 69.3%-25.0pp | 57.2%-13.0pp |
| Annual return | 17.90% | 20.58%-2.7pp | 31.81%-13.9pp | 31.67%-13.8pp |
| Employer contribution / active EE | $1,223 | $1,042+17.4% | $2,279-46.3% | $2,019-39.4% |
| Participant deferral / active EE | $2,195 | $2,594-15.4% | $4,048-45.8% | $3,358-34.6% |
| Admin fee / account holder | $5,685 | $4,561+24.7% | $8,703-34.7% | $3,203+77.5% |