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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 | $75,541-19.3% | $152,093-59.9% | $82,637-26.2% |
| Participation rate | 32.5% | 66.5%-34.0pp | 77.8%-45.3pp | 68.1%-35.6pp |
| Annual return | 21.47% | 32.56%-11.1pp | 66.36%-44.9pp | 53.51%-32.0pp |
| Employer contribution / active EE | $1,495 | $2,622-43.0% | $4,175-64.2% | $2,552-41.4% |
| Participant deferral / active EE | $3,393 | $3,206+5.8% | $5,451-37.8% | $4,126-17.8% |
| Admin fee / account holder | $1,268 | $6,405-80.2% | $14,497-91.3% | $7,339-82.7% |