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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 | $86,919-32.6% | $102,457-42.8% | $80,911-27.6% |
| Participation rate | 63.6% | 72.4%-8.7pp | 76.5%-12.9pp | 67.6%-4.0pp |
| Annual return | 30.84% | 18.90%+11.9pp | 29.41%+1.4pp | 35.63%-4.8pp |
| Employer contribution / active EE | $1,859 | $2,368-21.5% | $3,022-38.5% | $2,756-32.6% |
| Participant deferral / active EE | $4,629 | $4,119+12.4% | $5,054-8.4% | $4,297+7.7% |
| Admin fee / account holder | $4,091 | $8,049-49.2% | $9,451-56.7% | $6,935-41.0% |