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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 | $59,173 | $81,476-27.4% | $102,383-42.2% | $80,925-26.9% |
| Participation rate | 56.0% | 66.8%-10.8pp | 74.5%-18.5pp | 67.7%-11.7pp |
| Annual return | 11.99% | 25.59%-13.6pp | 24.94%-12.9pp | 35.65%-23.7pp |
| Employer contribution / active EE | $1,187 | $3,105-61.8% | $3,870-69.3% | $2,756-56.9% |
| Participant deferral / active EE | $1,603 | $3,871-58.6% | $5,060-68.3% | $4,299-62.7% |
| Admin fee / account holder | $6,275 | $6,717-6.6% | $8,391-25.2% | $6,940-9.6% |