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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 | $73,787-15.4% | $98,716-36.7% | $82,448-24.3% |
| Participation rate | 59.5% | 61.4%-1.9pp | 69.3%-9.8pp | 68.1%-8.5pp |
| Annual return | 18.25% | 18.57%-0.3pp | 31.81%-13.6pp | 41.64%-23.4pp |
| Employer contribution / active EE | $1,489 | $1,511-1.5% | $2,279-34.7% | $2,551-41.6% |
| Participant deferral / active EE | $3,025 | $3,081-1.8% | $4,048-25.3% | $4,139-26.9% |
| Admin fee / account holder | $589 | $6,500-90.9% | $8,703-93.2% | $7,234-91.9% |