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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 | $54,675 | $77,574-29.5% | $108,753-49.7% | $86,983-37.1% |
| Participation rate | 57.1% | 62.3%-5.2pp | 71.1%-13.9pp | 69.5%-12.4pp |
| Annual return | 18.56% | 18.42%+0.1pp | 37.47%-18.9pp | 25.83%-7.3pp |
| Employer contribution / active EE | $1,424 | $1,611-11.6% | $2,427-41.3% | $2,584-44.9% |
| Participant deferral / active EE | $3,013 | $3,128-3.7% | $4,115-26.8% | $4,194-28.2% |
| Admin fee / account holder | $2,794 | $6,529-57.2% | $10,320-72.9% | $7,856-64.4% |