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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 | $44,054 | $63,773-30.9% | $81,286-45.8% | $80,925-45.6% |
| Participation rate | 60.0% | 63.9%-3.9pp | 69.5%-9.5pp | 67.7%-7.7pp |
| Annual return | 13.90% | 16.37%-2.5pp | 24.80%-10.9pp | 35.65%-21.7pp |
| Employer contribution / active EE | $922 | $1,979-53.4% | $2,463-62.6% | $2,756-66.6% |
| Participant deferral / active EE | $1,517 | $3,093-51.0% | $3,883-60.9% | $4,299-64.7% |
| Admin fee / account holder | $2,897 | $5,682-49.0% | $5,764-49.7% | $6,940-58.3% |