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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 | $62,401 | $55,684+12.1% | $75,900-17.8% | $72,976-14.5% |
| Participation rate | 45.0% | 61.1%-16.1pp | 69.3%-24.3pp | 69.5%-24.5pp |
| Annual return | 22.51% | 27.60%-5.1pp | 30.73%-8.2pp | 81.02%-58.5pp |
| Employer contribution / active EE | $603 | $1,687-64.3% | $2,501-75.9% | $2,440-75.3% |
| Participant deferral / active EE | $2,669 | $2,634+1.3% | $3,604-25.9% | $3,608-26.0% |
| Admin fee / account holder | $1,146 | $3,981-71.2% | $5,421-78.9% | $5,124-77.6% |