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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 | $56,721 | $81,262-30.2% | $155,602-63.5% | $80,911-29.9% |
| Participation rate | 63.1% | 66.2%-3.2pp | 78.2%-15.1pp | 67.6%-4.6pp |
| Annual return | 12.66% | 33.34%-20.7pp | 64.81%-52.1pp | 35.63%-23.0pp |
| Employer contribution / active EE | $2,035 | $3,102-34.4% | $4,675-56.5% | $2,756-26.1% |
| Participant deferral / active EE | $3,504 | $3,451+1.5% | $5,629-37.7% | $4,297-18.5% |
| Admin fee / account holder | $1,102 | $7,992-86.2% | $15,923-93.1% | $6,935-84.1% |