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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 | $45,796 | $57,541-20.4% | $95,740-52.2% | $75,173-39.1% |
| Participation rate | 43.2% | 62.5%-19.3pp | 72.3%-29.0pp | 67.2%-24.0pp |
| Annual return | 14.22% | 34.93%-20.7pp | 28.41%-14.2pp | 160.72%-146.5pp |
| Employer contribution / active EE | $1,679 | $1,808-7.1% | $2,836-40.8% | $2,671-37.1% |
| Participant deferral / active EE | $3,384 | $3,074+10.1% | $4,244-20.3% | $4,126-18.0% |
| Admin fee / account holder | $7,377 | $4,099+80.0% | $5,676+30.0% | $5,651+30.5% |