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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 | $63,854 | $73,978-13.7% | $96,515-33.8% | $75,173-15.1% |
| Participation rate | 59.5% | 66.4%-6.9pp | 74.3%-14.8pp | 67.2%-7.7pp |
| Annual return | 24.02% | 26.72%-2.7pp | 35.73%-11.7pp | 160.72%-136.7pp |
| Employer contribution / active EE | $1,297 | $2,931-55.7% | $3,740-65.3% | $2,671-51.4% |
| Participant deferral / active EE | $4,715 | $3,660+28.8% | $4,880-3.4% | $4,126+14.3% |
| Admin fee / account holder | $1,316 | $5,219-74.8% | $6,735-80.5% | $5,651-76.7% |