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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 | $50,589 | $57,073-11.4% | $85,126-40.6% | $80,925-37.5% |
| Participation rate | 26.9% | 56.4%-29.5pp | 67.5%-40.6pp | 67.7%-40.7pp |
| Annual return | 13.07% | 21.69%-8.6pp | 66.63%-53.6pp | 35.65%-22.6pp |
| Employer contribution / active EE | $1,264 | $1,801-29.8% | $2,731-53.7% | $2,756-54.1% |
| Participant deferral / active EE | $2,819 | $3,113-9.4% | $4,523-37.7% | $4,299-34.4% |
| Admin fee / account holder | $6,298 | $4,988+26.3% | $6,160+2.2% | $6,940-9.3% |