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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 | $69,362 | $81,233-14.6% | $155,567-55.4% | $80,874-14.2% |
| Participation rate | 61.4% | 66.2%-4.8pp | 78.2%-16.7pp | 67.6%-6.2pp |
| Annual return | 16.22% | 33.33%-17.1pp | 64.74%-48.5pp | 35.62%-19.4pp |
| Employer contribution / active EE | $1,532 | $3,101-50.6% | $4,674-67.2% | $2,756-44.4% |
| Participant deferral / active EE | $3,892 | $3,452+12.7% | $5,628-30.8% | $4,297-9.4% |
| Admin fee / account holder | $1,147 | $7,998-85.7% | $15,916-92.8% | $6,935-83.5% |