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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 | $62,959 | $81,403-22.7% | $147,027-57.2% | $87,485-28.0% |
| Participation rate | 59.3% | 63.4%-4.2pp | 73.7%-14.5pp | 68.9%-9.7pp |
| Annual return | 36.23% | 16.51%+19.7pp | 20.23%+16.0pp | 26.06%+10.2pp |
| Employer contribution / active EE | $1,616 | $2,205-26.7% | $3,626-55.4% | $2,596-37.8% |
| Participant deferral / active EE | $2,707 | $3,315-18.3% | $4,933-45.1% | $4,274-36.6% |
| Admin fee / account holder | $3,208 | $6,755-52.5% | $12,223-73.8% | $7,775-58.7% |