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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 | $68,839 | $76,407-9.9% | $150,298-54.2% | $82,448-16.5% |
| Participation rate | 59.6% | 66.4%-6.8pp | 77.8%-18.2pp | 68.1%-8.5pp |
| Annual return | 17.12% | 39.99%-22.9pp | 62.79%-45.7pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,477 | $2,614-43.5% | $4,154-64.4% | $2,551-42.1% |
| Participant deferral / active EE | $3,636 | $3,214+13.1% | $5,453-33.3% | $4,139-12.1% |
| Admin fee / account holder | $2,235 | $6,352-64.8% | $14,116-84.2% | $7,234-69.1% |