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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 | $63,092 | $114,712-45.0% | $173,730-63.7% | $87,485-27.9% |
| Participation rate | 60.4% | 73.0%-12.6pp | 79.6%-19.2pp | 68.9%-8.5pp |
| Annual return | 12.30% | 20.18%-7.9pp | 19.96%-7.7pp | 26.06%-13.8pp |
| Employer contribution / active EE | $1,583 | $2,904-45.5% | $4,577-65.4% | $2,596-39.0% |
| Participant deferral / active EE | $4,227 | $4,642-8.9% | $6,326-33.2% | $4,274-1.1% |
| Admin fee / account holder | $5,107 | $10,210-50.0% | $17,523-70.9% | $7,775-34.3% |