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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 | $77,574-22.5% | $108,753-44.7% | $86,983-30.9% |
| Participation rate | 63.3% | 62.3%+1.0pp | 71.1%-7.8pp | 69.5%-6.3pp |
| Annual return | 15.99% | 18.42%-2.4pp | 37.47%-21.5pp | 25.83%-9.8pp |
| Employer contribution / active EE | $1,336 | $1,611-17.0% | $2,427-44.9% | $2,584-48.3% |
| Participant deferral / active EE | $4,330 | $3,128+38.4% | $4,115+5.2% | $4,194+3.2% |
| Admin fee / account holder | $3,535 | $6,529-45.9% | $10,320-65.7% | $7,856-55.0% |