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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 | $66,367 | $81,476-18.5% | $102,383-35.2% | $80,925-18.0% |
| Participation rate | 51.9% | 66.8%-15.0pp | 74.5%-22.7pp | 67.7%-15.8pp |
| Annual return | 12.63% | 25.59%-13.0pp | 24.94%-12.3pp | 35.65%-23.0pp |
| Employer contribution / active EE | $2,052 | $3,105-33.9% | $3,870-47.0% | $2,756-25.6% |
| Participant deferral / active EE | $3,555 | $3,871-8.2% | $5,060-29.7% | $4,299-17.3% |
| Admin fee / account holder | $3,238 | $6,717-51.8% | $8,391-61.4% | $6,940-53.4% |