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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 | $44,209 | $37,446+18.1% | $77,513-43.0% | $79,852-44.6% |
| Participation rate | 47.2% | 41.5%+5.7pp | 54.2%-7.0pp | 69.6%-22.4pp |
| Annual return | 12.76% | 39.76%-27.0pp | 54.81%-42.1pp | 31.72%-19.0pp |
| Employer contribution / active EE | $520 | $637-18.3% | $987-47.3% | $2,471-78.9% |
| Participant deferral / active EE | $990 | $1,261-21.5% | $1,861-46.8% | $3,740-73.5% |
| Admin fee / account holder | $5,424 | $2,506+116.5% | $2,859+89.7% | $5,306+2.2% |