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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 | $35,514 | $76,551-53.6% | $123,894-71.3% | $62,881-43.5% |
| Participation rate | 64.0% | 73.0%-9.0pp | 81.4%-17.4pp | 69.3%-5.3pp |
| Annual return | 16.54% | 18.68%-2.1pp | 47.52%-31.0pp | 20.14%-3.6pp |
| Employer contribution / active EE | $1,772 | $2,882-38.5% | $4,617-61.6% | $2,281-22.3% |
| Participant deferral / active EE | $4,577 | $4,840-5.4% | $5,984-23.5% | $3,203+42.9% |
| Admin fee / account holder | $3,679 | $4,826-23.8% | $8,357-56.0% | $4,296-14.4% |