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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 | $56,761 | $199,109-71.5% | $173,730-67.3% | $154,746-63.3% |
| Participation rate | 27.8% | 82.8%-55.0pp | 79.6%-51.8pp | 80.7%-52.9pp |
| Annual return | 20.40% | 20.02%+0.4pp | 19.96%+0.4pp | 172.34%-151.9pp |
| Employer contribution / active EE | $1,456 | $5,311-72.6% | $4,577-68.2% | $4,379-66.8% |
| Participant deferral / active EE | $4,908 | $7,113-31.0% | $6,326-22.4% | $6,730-27.1% |
| Admin fee / account holder | $1,632 | $20,916-92.2% | $17,523-90.7% | $14,365-88.6% |