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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 | $62,439 | $76,834-18.7% | $108,359-42.4% | $87,485-28.6% |
| Participation rate | 59.5% | 61.7%-2.2pp | 70.1%-10.6pp | 68.9%-9.4pp |
| Annual return | 18.25% | 19.09%-0.8pp | 36.89%-18.6pp | 26.06%-7.8pp |
| Employer contribution / active EE | $1,489 | $1,556-4.3% | $2,399-37.9% | $2,596-42.6% |
| Participant deferral / active EE | $3,025 | $3,100-2.4% | $4,137-26.9% | $4,274-29.2% |
| Admin fee / account holder | $589 | $6,537-91.0% | $9,741-94.0% | $7,775-92.4% |