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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 | $62,412 | $77,896-19.9% | $134,172-53.5% | $82,448-24.3% |
| Participation rate | 52.3% | 62.8%-10.5pp | 72.5%-20.2pp | 68.1%-15.8pp |
| Annual return | 15.86% | 18.21%-2.4pp | 25.30%-9.4pp | 41.64%-25.8pp |
| Employer contribution / active EE | $1,662 | $2,159-23.0% | $3,420-51.4% | $2,551-34.9% |
| Participant deferral / active EE | $2,926 | $3,162-7.5% | $4,690-37.6% | $4,139-29.3% |
| Admin fee / account holder | $1,797 | $6,336-71.6% | $12,016-85.0% | $7,234-75.2% |