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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 | $53,846 | $58,627-8.2% | $76,735-29.8% | $82,448-34.7% |
| Participation rate | 39.4% | 63.2%-23.8pp | 69.5%-30.1pp | 68.1%-28.7pp |
| Annual return | 21.15% | 39.10%-17.9pp | 29.77%-8.6pp | 41.64%-20.5pp |
| Employer contribution / active EE | $1,863 | $1,729+7.7% | $2,454-24.1% | $2,551-27.0% |
| Participant deferral / active EE | $5,385 | $3,134+71.9% | $4,088+31.7% | $4,139+30.1% |
| Admin fee / account holder | $7,045 | $5,323+32.4% | $7,189-2.0% | $7,234-2.6% |