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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 | $40,221 | $58,627-31.4% | $76,735-47.6% | $82,448-51.2% |
| Participation rate | 45.6% | 63.2%-17.6pp | 69.5%-23.9pp | 68.1%-22.5pp |
| Annual return | 21.80% | 39.10%-17.3pp | 29.77%-8.0pp | 41.64%-19.8pp |
| Employer contribution / active EE | $1,152 | $1,729-33.4% | $2,454-53.1% | $2,551-54.8% |
| Participant deferral / active EE | $3,465 | $3,134+10.6% | $4,088-15.2% | $4,139-16.3% |
| Admin fee / account holder | $9,376 | $5,323+76.2% | $7,189+30.4% | $7,234+29.6% |