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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 | $61,254 | $71,208-14.0% | $93,681-34.6% | $80,911-24.3% |
| Participation rate | 57.1% | 60.4%-3.3pp | 68.7%-11.6pp | 67.6%-10.5pp |
| Annual return | 12.09% | 11.27%+0.8pp | 133.47%-121.4pp | 35.63%-23.5pp |
| Employer contribution / active EE | $1,553 | $1,564-0.7% | $2,422-35.9% | $2,756-43.7% |
| Participant deferral / active EE | $2,448 | $4,035-39.3% | $4,415-44.6% | $4,297-43.0% |
| Admin fee / account holder | $2,883 | $6,951-58.5% | $8,290-65.2% | $6,935-58.4% |