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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 | $44,117 | $45,087-2.2% | $69,483-36.5% | $72,976-39.5% |
| Participation rate | 57.9% | 68.5%-10.6pp | 74.6%-16.7pp | 69.5%-11.6pp |
| Annual return | 20.81% | 22.67%-1.9pp | 28.99%-8.2pp | 81.02%-60.2pp |
| Employer contribution / active EE | $744 | $2,055-63.8% | $2,780-73.2% | $2,440-69.5% |
| Participant deferral / active EE | $3,057 | $2,603+17.5% | $3,537-13.5% | $3,608-15.3% |
| Admin fee / account holder | $2,643 | $3,057-13.5% | $3,841-31.2% | $5,124-48.4% |