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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 | $56,689 | $58,493-3.1% | $84,021-32.5% | $72,975-22.3% |
| Participation rate | 33.8% | 61.2%-27.5pp | 69.0%-35.3pp | 69.5%-35.7pp |
| Annual return | 24.40% | 28.93%-4.5pp | 71.32%-46.9pp | 81.01%-56.6pp |
| Employer contribution / active EE | $1,112 | $1,163-4.4% | $1,984-44.0% | $2,440-54.4% |
| Participant deferral / active EE | $2,658 | $2,394+11.0% | $3,239-17.9% | $3,608-26.3% |
| Admin fee / account holder | $6,777 | $4,569+48.3% | $6,102+11.1% | $5,124+32.3% |