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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 | $46,632 | $65,246-28.5% | $98,716-52.8% | $67,986-31.4% |
| Participation rate | 43.5% | 51.4%-8.0pp | 69.3%-25.8pp | 57.2%-13.7pp |
| Annual return | 18.74% | 20.58%-1.8pp | 31.81%-13.1pp | 31.67%-12.9pp |
| Employer contribution / active EE | $1,085 | $1,042+4.2% | $2,279-52.4% | $2,019-46.2% |
| Participant deferral / active EE | $3,428 | $2,594+32.2% | $4,048-15.3% | $3,358+2.1% |
| Admin fee / account holder | $1,320 | $4,561-71.0% | $8,703-84.8% | $3,203-58.8% |