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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 | $61,942 | $79,867-22.4% | $120,344-48.5% | $64,340-3.7% |
| Participation rate | 36.7% | 63.0%-26.2pp | 76.7%-40.0pp | 55.2%-18.5pp |
| Annual return | 22.77% | 21.10%+1.7pp | 20.30%+2.5pp | 24.14%-1.4pp |
| Employer contribution / active EE | $1,863 | $1,925-3.2% | $3,020-38.3% | $1,862+0.1% |
| Participant deferral / active EE | $3,561 | $3,593-0.9% | $5,135-30.6% | $2,980+19.5% |
| Admin fee / account holder | $16,857 | $5,039+234.5% | $12,742+32.3% | $3,703+355.3% |