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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 | $56,574 | $73,988-23.5% | $96,538-41.4% | $75,177-24.7% |
| Participation rate | 66.7% | 66.4%+0.2pp | 74.3%-7.7pp | 67.2%-0.5pp |
| Annual return | 19.89% | 26.73%-6.8pp | 35.74%-15.8pp | 160.75%-140.9pp |
| Employer contribution / active EE | $1,086 | $2,930-62.9% | $3,740-71.0% | $2,671-59.3% |
| Participant deferral / active EE | $4,776 | $3,660+30.5% | $4,880-2.1% | $4,126+15.7% |
| Admin fee / account holder | $2,410 | $5,220-53.8% | $6,737-64.2% | $5,651-57.4% |