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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 | $55,124 | $75,541-27.0% | $152,093-63.8% | $82,637-33.3% |
| Participation rate | 60.3% | 66.5%-6.2pp | 77.8%-17.4pp | 68.1%-7.7pp |
| Annual return | 19.70% | 32.56%-12.9pp | 66.36%-46.7pp | 53.51%-33.8pp |
| Employer contribution / active EE | $1,772 | $2,622-32.4% | $4,175-57.6% | $2,552-30.6% |
| Participant deferral / active EE | $2,425 | $3,206-24.3% | $5,451-55.5% | $4,126-41.2% |
| Admin fee / account holder | $1,797 | $6,405-71.9% | $14,497-87.6% | $7,339-75.5% |