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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 | $59,645 | $57,541+3.7% | $95,728-37.7% | $75,181-20.7% |
| Participation rate | 47.4% | 62.5%-15.1pp | 72.3%-24.9pp | 67.2%-19.8pp |
| Annual return | 18.79% | 34.93%-16.1pp | 28.40%-9.6pp | 160.69%-141.9pp |
| Employer contribution / active EE | $1,797 | $1,808-0.6% | $2,835-36.6% | $2,671-32.7% |
| Participant deferral / active EE | $3,935 | $3,074+28.0% | $4,245-7.3% | $4,126-4.6% |
| Admin fee / account holder | $1,665 | $4,099-59.4% | $5,673-70.6% | $5,650-70.5% |