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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 | $52,460 | $51,083+2.7% | $70,548-25.6% | $71,495-26.6% |
| Participation rate | 54.2% | 59.4%-5.2pp | 68.3%-14.1pp | 67.9%-13.7pp |
| Annual return | 15.02% | 42.64%-27.6pp | 32.78%-17.8pp | 28.85%-13.8pp |
| Employer contribution / active EE | $1,618 | $1,791-9.7% | $2,975-45.6% | $2,589-37.5% |
| Participant deferral / active EE | $2,720 | $3,028-10.2% | $4,567-40.4% | $4,291-36.6% |
| Admin fee / account holder | $2,452 | $1,995+22.9% | $6,424-61.8% | $1,588+54.4% |