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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 | $58,612 | $86,940-32.6% | $102,434-42.8% | $80,935-27.6% |
| Participation rate | 63.6% | 72.4%-8.8pp | 76.5%-12.9pp | 67.7%-4.0pp |
| Annual return | 30.84% | 18.89%+12.0pp | 29.46%+1.4pp | 35.66%-4.8pp |
| Employer contribution / active EE | $1,859 | $2,370-21.6% | $3,023-38.5% | $2,757-32.6% |
| Participant deferral / active EE | $4,629 | $4,121+12.3% | $5,055-8.4% | $4,299+7.7% |
| Admin fee / account holder | $4,091 | $8,047-49.2% | $9,462-56.8% | $6,924-40.9% |