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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 | $63,923 | $75,541-15.4% | $152,093-58.0% | $82,637-22.6% |
| Participation rate | 42.0% | 66.5%-24.5pp | 77.8%-35.7pp | 68.1%-26.0pp |
| Annual return | 14.10% | 32.56%-18.5pp | 66.36%-52.3pp | 53.51%-39.4pp |
| Employer contribution / active EE | $1,254 | $2,622-52.2% | $4,175-70.0% | $2,552-50.9% |
| Participant deferral / active EE | $4,253 | $3,206+32.7% | $5,451-22.0% | $4,126+3.1% |
| Admin fee / account holder | $2,115 | $6,405-67.0% | $14,497-85.4% | $7,339-71.2% |