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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 | $79,531 | $97,550-18.5% | $120,344-33.9% | $87,485-9.1% |
| Participation rate | 59.5% | 72.8%-13.4pp | 76.7%-17.3pp | 68.9%-9.5pp |
| Annual return | 14.53% | 18.41%-3.9pp | 20.30%-5.8pp | 26.06%-11.5pp |
| Employer contribution / active EE | $1,305 | $2,291-43.0% | $3,020-56.8% | $2,596-49.7% |
| Participant deferral / active EE | $3,296 | $4,230-22.1% | $5,135-35.8% | $4,274-22.9% |
| Admin fee / account holder | $5,131 | $9,543-46.2% | $12,742-59.7% | $7,775-34.0% |