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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 | $35,049 | $71,197-50.8% | $93,669-62.6% | $80,925-56.7% |
| Participation rate | 61.5% | 60.4%+1.1pp | 68.7%-7.2pp | 67.7%-6.1pp |
| Annual return | 19.01% | 11.27%+7.7pp | 133.59%-114.6pp | 35.65%-16.6pp |
| Employer contribution / active EE | $1,837 | $1,565+17.4% | $2,424-24.2% | $2,756-33.4% |
| Participant deferral / active EE | $4,323 | $4,036+7.1% | $4,416-2.1% | $4,299+0.6% |
| Admin fee / account holder | $3,443 | $6,959-50.5% | $8,291-58.5% | $6,940-50.4% |