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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 | $55,764 | $85,515-34.8% | $112,040-50.2% | $67,986-18.0% |
| Participation rate | 59.5% | 68.2%-8.7pp | 76.5%-17.0pp | 57.2%+2.3pp |
| Annual return | 13.11% | 29.68%-16.6pp | 24.52%-11.4pp | 31.67%-18.6pp |
| Employer contribution / active EE | $1,514 | $2,191-30.9% | $2,954-48.8% | $2,019-25.0% |
| Participant deferral / active EE | $2,418 | $4,014-39.8% | $5,098-52.6% | $3,358-28.0% |
| Admin fee / account holder | $4,166 | $3,774+10.4% | $12,098-65.6% | $3,203+30.0% |