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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 | $51,395 | $59,839-14.1% | $81,991-37.3% | $79,852-35.6% |
| Participation rate | 60.0% | 61.6%-1.6pp | 69.3%-9.3pp | 69.6%-9.6pp |
| Annual return | 19.10% | 17.56%+1.5pp | 41.31%-22.2pp | 31.72%-12.6pp |
| Employer contribution / active EE | $1,402 | $1,713-18.2% | $2,498-43.9% | $2,471-43.3% |
| Participant deferral / active EE | $4,637 | $2,695+72.0% | $3,722+24.6% | $3,740+24.0% |
| Admin fee / account holder | $1,933 | $4,287-54.9% | $5,665-65.9% | $5,306-63.6% |