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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 | $64,906 | $101,778-36.2% | $164,975-60.7% | $80,925-19.8% |
| Participation rate | 59.1% | 71.8%-12.7pp | 78.6%-19.5pp | 67.7%-8.6pp |
| Annual return | 15.41% | 16.73%-1.3pp | 70.12%-54.7pp | 35.65%-20.2pp |
| Employer contribution / active EE | $1,854 | $2,954-37.2% | $4,343-57.3% | $2,756-32.7% |
| Participant deferral / active EE | $3,997 | $4,477-10.7% | $6,033-33.8% | $4,299-7.0% |
| Admin fee / account holder | $2,235 | $8,221-72.8% | $12,688-82.4% | $6,940-67.8% |