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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 | $54,278 | $63,845-15.0% | $81,370-33.3% | $80,959-33.0% |
| Participation rate | 34.6% | 63.9%-29.3pp | 69.5%-34.9pp | 67.7%-33.1pp |
| Annual return | 15.51% | 16.37%-0.9pp | 24.85%-9.3pp | 35.67%-20.2pp |
| Employer contribution / active EE | $1,456 | $1,980-26.5% | $2,464-40.9% | $2,757-47.2% |
| Participant deferral / active EE | $3,489 | $3,093+12.8% | $3,885-10.2% | $4,300-18.9% |
| Admin fee / account holder | $1,362 | $5,688-76.1% | $5,749-76.3% | $6,925-80.3% |