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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 | $49,700 | $65,367-24.0% | $92,915-46.5% | $72,976-31.9% |
| Participation rate | 62.5% | 68.3%-5.8pp | 76.0%-13.5pp | 69.5%-7.0pp |
| Annual return | 22.07% | 42.11%-20.0pp | 109.45%-87.4pp | 81.02%-58.9pp |
| Employer contribution / active EE | $2,076 | $2,594-20.0% | $3,653-43.2% | $2,440-14.9% |
| Participant deferral / active EE | $4,979 | $3,128+59.2% | $4,238+17.5% | $3,608+38.0% |
| Admin fee / account holder | $3,509 | $4,251-17.5% | $5,796-39.4% | $5,124-31.5% |