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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 | $63,845-31.0% | $81,370-45.9% | $80,959-45.6% |
| Participation rate | 60.0% | 63.9%-3.9pp | 69.5%-9.5pp | 67.7%-7.7pp |
| Annual return | 13.90% | 16.37%-2.5pp | 24.85%-10.9pp | 35.67%-21.8pp |
| Employer contribution / active EE | $922 | $1,980-53.4% | $2,464-62.6% | $2,757-66.6% |
| Participant deferral / active EE | $1,517 | $3,093-51.0% | $3,885-61.0% | $4,300-64.7% |
| Admin fee / account holder | $2,897 | $5,688-49.1% | $5,749-49.6% | $6,925-58.2% |