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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 | $60,961 | $86,050-29.2% | $189,758-67.9% | $94,015-35.2% |
| Participation rate | 32.5% | 68.9%-36.4pp | 79.8%-47.3pp | 70.8%-38.3pp |
| Annual return | 21.47% | 17.77%+3.7pp | 52.62%-31.1pp | 17.84%+3.6pp |
| Employer contribution / active EE | $1,495 | $2,819-47.0% | $4,767-68.6% | $2,790-46.4% |
| Participant deferral / active EE | $3,393 | $3,349+1.3% | $5,856-42.1% | $4,249-20.2% |
| Admin fee / account holder | $1,268 | $6,627-80.9% | $20,388-93.8% | $8,951-85.8% |