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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 | $65,257 | $81,358-19.8% | $155,556-58.0% | $80,959-19.4% |
| Participation rate | 57.4% | 66.3%-8.8pp | 78.2%-20.8pp | 67.7%-10.2pp |
| Annual return | 13.65% | 33.39%-19.7pp | 64.84%-51.2pp | 35.67%-22.0pp |
| Employer contribution / active EE | $1,696 | $3,106-45.4% | $4,675-63.7% | $2,757-38.5% |
| Participant deferral / active EE | $4,279 | $3,455+23.8% | $5,631-24.0% | $4,300-0.5% |
| Admin fee / account holder | $1,362 | $7,994-83.0% | $15,885-91.4% | $6,925-80.3% |