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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 | $57,140+13.4% | $85,240-24.0% | $80,959-20.0% |
| Participation rate | 44.1% | 56.4%-12.3pp | 67.5%-23.5pp | 67.7%-23.6pp |
| Annual return | 13.15% | 21.71%-8.6pp | 66.75%-53.6pp | 35.67%-22.5pp |
| Employer contribution / active EE | $1,727 | $1,802-4.2% | $2,735-36.9% | $2,757-37.4% |
| Participant deferral / active EE | $4,938 | $3,115+58.5% | $4,527+9.1% | $4,300+14.8% |
| Admin fee / account holder | $5,603 | $4,992+12.2% | $6,165-9.1% | $6,925-19.1% |