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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 | $54,328 | $75,058-27.6% | $152,301-64.3% | $64,340-15.6% |
| Participation rate | 39.5% | 60.9%-21.4pp | 82.4%-43.0pp | 55.2%-15.8pp |
| Annual return | 20.07% | 29.93%-9.9pp | 80.50%-60.4pp | 24.14%-4.1pp |
| Employer contribution / active EE | $1,769 | $2,605-32.1% | $4,624-61.7% | $1,862-5.0% |
| Participant deferral / active EE | $2,688 | $5,041-46.7% | $8,004-66.4% | $2,980-9.8% |
| Admin fee / account holder | $4,183 | $4,050+3.3% | $14,398-70.9% | $3,703+13.0% |