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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 | $55,239 | $69,444-20.5% | $92,985-40.6% | $87,485-36.9% |
| Participation rate | 44.4% | 63.3%-18.8pp | 69.5%-25.0pp | 68.9%-24.5pp |
| Annual return | 20.36% | 23.85%-3.5pp | 27.99%-7.6pp | 26.06%-5.7pp |
| Employer contribution / active EE | $2,553 | $1,917+33.2% | $2,662-4.1% | $2,596-1.6% |
| Participant deferral / active EE | $4,510 | $3,364+34.1% | $4,377+3.0% | $4,274+5.5% |
| Admin fee / account holder | $3,469 | $6,137-43.5% | $9,463-63.3% | $7,775-55.4% |