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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 | $63,017 | $59,440+6.0% | $78,004-19.2% | $82,637-23.7% |
| Participation rate | 59.5% | 62.8%-3.4pp | 69.4%-10.0pp | 68.1%-8.6pp |
| Annual return | 16.24% | 40.24%-24.0pp | 31.07%-14.8pp | 53.51%-37.3pp |
| Employer contribution / active EE | $1,169 | $1,750-33.2% | $2,469-52.6% | $2,552-54.2% |
| Participant deferral / active EE | $4,412 | $3,138+40.6% | $4,092+7.8% | $4,126+6.9% |
| Admin fee / account holder | $3,609 | $5,504-34.4% | $7,578-52.4% | $7,339-50.8% |