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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 | $64,784 | $57,057+13.5% | $85,009-23.8% | $80,874-19.9% |
| Participation rate | 44.1% | 56.4%-12.3pp | 67.5%-23.4pp | 67.6%-23.6pp |
| Annual return | 13.15% | 21.66%-8.5pp | 66.47%-53.3pp | 35.62%-22.5pp |
| Employer contribution / active EE | $1,727 | $1,799-4.0% | $2,728-36.7% | $2,756-37.3% |
| Participant deferral / active EE | $4,938 | $3,112+58.7% | $4,522+9.2% | $4,297+14.9% |
| Admin fee / account holder | $5,603 | $4,986+12.4% | $6,153-8.9% | $6,935-19.2% |