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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 | $60,090 | $76,834-21.8% | $108,359-44.5% | $87,485-31.3% |
| Participation rate | 63.3% | 61.7%+1.5pp | 70.1%-6.9pp | 68.9%-5.7pp |
| Annual return | 15.99% | 19.09%-3.1pp | 36.89%-20.9pp | 26.06%-10.1pp |
| Employer contribution / active EE | $1,336 | $1,556-14.1% | $2,399-44.3% | $2,596-48.5% |
| Participant deferral / active EE | $4,330 | $3,100+39.7% | $4,137+4.7% | $4,274+1.3% |
| Admin fee / account holder | $3,535 | $6,537-45.9% | $9,741-63.7% | $7,775-54.5% |