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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 | $63,751 | $71,197-10.5% | $93,669-31.9% | $80,925-21.2% |
| Participation rate | 53.8% | 60.4%-6.5pp | 68.7%-14.9pp | 67.7%-13.8pp |
| Annual return | 11.83% | 11.27%+0.6pp | 133.59%-121.8pp | 35.65%-23.8pp |
| Employer contribution / active EE | $1,238 | $1,565-20.9% | $2,424-48.9% | $2,756-55.1% |
| Participant deferral / active EE | $1,908 | $4,036-52.7% | $4,416-56.8% | $4,299-55.6% |
| Admin fee / account holder | $3,744 | $6,959-46.2% | $8,291-54.8% | $6,940-46.1% |