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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 | $63,115 | $86,919-27.4% | $102,457-38.4% | $80,911-22.0% |
| Participation rate | 69.6% | 72.4%-2.8pp | 76.5%-6.9pp | 67.6%+1.9pp |
| Annual return | 12.96% | 18.90%-5.9pp | 29.41%-16.4pp | 35.63%-22.7pp |
| Employer contribution / active EE | $1,313 | $2,368-44.5% | $3,022-56.5% | $2,756-52.3% |
| Participant deferral / active EE | $3,427 | $4,119-16.8% | $5,054-32.2% | $4,297-20.2% |
| Admin fee / account holder | $937 | $8,049-88.4% | $9,451-90.1% | $6,935-86.5% |