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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 | $65,787 | $76,112-13.6% | $96,544-31.9% | $71,529-8.0% |
| Participation rate | 36.2% | 74.4%-38.3pp | 76.0%-39.8pp | 67.9%-31.8pp |
| Annual return | 42.57% | 22.80%+19.8pp | 25.88%+16.7pp | 28.97%+13.6pp |
| Employer contribution / active EE | $1,665 | $2,248-26.0% | $2,966-43.9% | $2,590-35.7% |
| Participant deferral / active EE | $3,425 | $4,217-18.8% | $4,851-29.4% | $4,291-20.2% |
| Admin fee / account holder | $1,924 | $2,708-29.0% | $8,254-76.7% | $1,588+21.1% |