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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 | $55,876 | $101,795-45.1% | $165,100-66.2% | $80,959-31.0% |
| Participation rate | 61.1% | 71.8%-10.7pp | 78.6%-17.5pp | 67.7%-6.6pp |
| Annual return | 14.55% | 16.73%-2.2pp | 70.21%-55.7pp | 35.67%-21.1pp |
| Employer contribution / active EE | $1,860 | $2,954-37.0% | $4,348-57.2% | $2,757-32.6% |
| Participant deferral / active EE | $3,675 | $4,476-17.9% | $6,035-39.1% | $4,300-14.5% |
| Admin fee / account holder | $1,192 | $8,221-85.5% | $12,696-90.6% | $6,925-82.8% |