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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 | $59,192 | $78,428-24.5% | $95,960-38.3% | $79,852-25.9% |
| Participation rate | 51.6% | 73.5%-21.9pp | 77.1%-25.5pp | 69.6%-18.0pp |
| Annual return | 18.66% | 19.37%-0.7pp | 91.63%-73.0pp | 31.72%-13.1pp |
| Employer contribution / active EE | $1,742 | $1,945-10.5% | $2,541-31.5% | $2,471-29.5% |
| Participant deferral / active EE | $3,655 | $3,440+6.2% | $4,167-12.3% | $3,740-2.3% |
| Admin fee / account holder | $2,195 | $5,622-61.0% | $6,797-67.7% | $5,306-58.6% |