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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 | $64,965 | $37,156+74.8% | $83,854-22.5% | $86,983-25.3% |
| Participation rate | 51.7% | 49.1%+2.7pp | 59.1%-7.4pp | 69.5%-17.8pp |
| Annual return | 16.38% | 29.88%-13.5pp | 31.39%-15.0pp | 25.83%-9.5pp |
| Employer contribution / active EE | $1,416 | $661+114.3% | $1,017+39.2% | $2,584-45.2% |
| Participant deferral / active EE | $2,056 | $1,418+45.0% | $2,035+1.0% | $4,194-51.0% |
| Admin fee / account holder | $3,061 | $2,510+22.0% | $3,197-4.2% | $7,856-61.0% |