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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 | $50,452 | $74,535-32.3% | $100,712-49.9% | $82,637-38.9% |
| Participation rate | 64.0% | 61.2%+2.8pp | 69.3%-5.3pp | 68.1%-4.1pp |
| Annual return | 17.95% | 18.92%-1.0pp | 33.27%-15.3pp | 53.51%-35.6pp |
| Employer contribution / active EE | $1,589 | $1,503+5.7% | $2,313-31.3% | $2,552-37.8% |
| Participant deferral / active EE | $2,994 | $3,074-2.6% | $4,085-26.7% | $4,126-27.4% |
| Admin fee / account holder | $5,773 | $6,576-12.2% | $9,256-37.6% | $7,339-21.3% |