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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 | $56,705 | $57,590-1.5% | $86,233-34.2% | $82,448-31.2% |
| Participation rate | 24.4% | 57.9%-33.5pp | 69.0%-44.6pp | 68.1%-43.7pp |
| Annual return | 15.40% | 22.41%-7.0pp | 61.39%-46.0pp | 41.64%-26.2pp |
| Employer contribution / active EE | $721 | $1,655-56.4% | $2,504-71.2% | $2,551-71.7% |
| Participant deferral / active EE | $1,748 | $3,080-43.2% | $4,559-61.7% | $4,139-57.8% |
| Admin fee / account holder | $4,996 | $4,730+5.6% | $8,342-40.1% | $7,234-30.9% |