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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 | $59,584 | $45,079+32.2% | $69,461-14.2% | $72,983-18.4% |
| Participation rate | 33.3% | 68.5%-35.2pp | 74.6%-41.3pp | 69.5%-36.2pp |
| Annual return | 6.39% | 22.65%-16.3pp | 28.97%-22.6pp | 81.01%-74.6pp |
| Employer contribution / active EE | $2,536 | $2,055+23.4% | $2,779-8.8% | $2,440+3.9% |
| Participant deferral / active EE | $2,386 | $2,603-8.3% | $3,536-32.5% | $3,608-33.9% |
| Admin fee / account holder | $3,255 | $3,056+6.5% | $3,840-15.2% | $5,124-36.5% |