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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 | $59,789 | $53,412+11.9% | $68,509-12.7% | $52,331+14.3% |
| Participation rate | 65.7% | 71.7%-6.0pp | 74.7%-9.0pp | 68.1%-2.4pp |
| Annual return | 1.20% | 3.42%-2.2pp | 8.27%-7.1pp | 4.54%-3.3pp |
| Employer contribution / active EE | $1,162 | $1,607-27.7% | $2,278-49.0% | $1,882-38.2% |
| Participant deferral / active EE | $2,233 | $2,688-16.9% | $3,382-34.0% | $3,022-26.1% |
| Admin fee / account holder | $1,935 | $461+319.8% | $5,275-63.3% | $592+227.0% |