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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 | $60,453 | $57,119+5.8% | $85,187-29.0% | $80,935-25.3% |
| Participation rate | 53.4% | 56.4%-3.0pp | 67.5%-14.1pp | 67.7%-14.2pp |
| Annual return | 14.35% | 21.70%-7.3pp | 66.67%-52.3pp | 35.66%-21.3pp |
| Employer contribution / active EE | $1,477 | $1,802-18.0% | $2,732-45.9% | $2,757-46.4% |
| Participant deferral / active EE | $2,903 | $3,115-6.8% | $4,525-35.8% | $4,299-32.5% |
| Admin fee / account holder | $1,078 | $4,990-78.4% | $6,162-82.5% | $6,924-84.4% |