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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 | $79,867-30.2% | $120,344-53.7% | $64,340-13.3% |
| Participation rate | 59.5% | 63.0%-3.5pp | 76.7%-17.2pp | 55.2%+4.3pp |
| Annual return | 13.11% | 21.10%-8.0pp | 20.30%-7.2pp | 24.14%-11.0pp |
| Employer contribution / active EE | $1,514 | $1,925-21.4% | $3,020-49.9% | $1,862-18.7% |
| Participant deferral / active EE | $2,418 | $3,593-32.7% | $5,135-52.9% | $2,980-18.9% |
| Admin fee / account holder | $4,166 | $5,039-17.3% | $12,742-67.3% | $3,703+12.5% |