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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 | $57,402 | $73,787-22.2% | $98,716-41.9% | $82,448-30.4% |
| Participation rate | 45.0% | 61.4%-16.4pp | 69.3%-24.3pp | 68.1%-23.1pp |
| Annual return | 15.12% | 18.57%-3.4pp | 31.81%-16.7pp | 41.64%-26.5pp |
| Employer contribution / active EE | $2,256 | $1,511+49.3% | $2,279-1.0% | $2,551-11.6% |
| Participant deferral / active EE | $4,582 | $3,081+48.7% | $4,048+13.2% | $4,139+10.7% |
| Admin fee / account holder | $795 | $6,500-87.8% | $8,703-90.9% | $7,234-89.0% |