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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 | $57,605 | $140,800-59.1% | $89,340-35.5% | $79,634-27.7% |
| Participation rate | 23.4% | 61.9%-38.5pp | 69.6%-46.1pp | 62.5%-39.1pp |
| Annual return | 19.35% | 17.84%+1.5pp | 20.57%-1.2pp | 36.46%-17.1pp |
| Employer contribution / active EE | $981 | $2,021-51.4% | $2,231-56.0% | $2,529-61.2% |
| Participant deferral / active EE | $2,079 | $3,219-35.4% | $3,823-45.6% | $3,835-45.8% |
| Admin fee / account holder | $5,702 | $1,610+254.1% | $6,704-14.9% | $1,002+469.1% |