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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 | $58,984 | $51,708+14.1% | $106,619-44.7% | $62,881-6.2% |
| Participation rate | 58.3% | 66.9%-8.5pp | 78.0%-19.7pp | 69.3%-11.0pp |
| Annual return | 10.87% | 4.69%+6.2pp | 9.42%+1.4pp | 20.14%-9.3pp |
| Employer contribution / active EE | $1,295 | $1,764-26.6% | $3,947-67.2% | $2,281-43.2% |
| Participant deferral / active EE | $2,439 | $2,315+5.3% | $3,930-37.9% | $3,203-23.9% |
| Admin fee / account holder | $1,155 | $3,349-65.5% | $6,418-82.0% | $4,296-73.1% |