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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 | $66,503 | $136,860-51.4% | $120,344-44.7% | $154,746-57.0% |
| Participation rate | 60.0% | 79.9%-19.9pp | 76.7%-16.7pp | 80.7%-20.7pp |
| Annual return | 17.13% | 21.38%-4.2pp | 20.30%-3.2pp | 172.34%-155.2pp |
| Employer contribution / active EE | $1,945 | $3,533-44.9% | $3,020-35.6% | $4,379-55.6% |
| Participant deferral / active EE | $4,003 | $5,793-30.9% | $5,135-22.0% | $6,730-40.5% |
| Admin fee / account holder | $995 | $15,393-93.5% | $12,742-92.2% | $14,365-93.1% |