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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 | $56,978 | $71,197-20.0% | $93,669-39.2% | $80,925-29.6% |
| Participation rate | 64.0% | 60.4%+3.6pp | 68.7%-4.7pp | 67.7%-3.7pp |
| Annual return | 13.10% | 11.27%+1.8pp | 133.59%-120.5pp | 35.65%-22.5pp |
| Employer contribution / active EE | $1,764 | $1,565+12.7% | $2,424-27.2% | $2,756-36.0% |
| Participant deferral / active EE | $2,880 | $4,036-28.6% | $4,416-34.8% | $4,299-33.0% |
| Admin fee / account holder | $565 | $6,959-91.9% | $8,291-93.2% | $6,940-91.9% |