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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 | $50,761 | $69,273-26.7% | $90,796-44.1% | $82,637-38.6% |
| Participation rate | 58.8% | 64.0%-5.2pp | 69.5%-10.7pp | 68.1%-9.2pp |
| Annual return | 18.57% | 18.37%+0.2pp | 19.29%-0.7pp | 53.51%-34.9pp |
| Employer contribution / active EE | $1,111 | $1,865-40.4% | $2,294-51.6% | $2,552-56.5% |
| Participant deferral / active EE | $2,891 | $3,047-5.1% | $3,822-24.4% | $4,126-29.9% |
| Admin fee / account holder | $649 | $5,511-88.2% | $7,024-90.8% | $7,339-91.2% |