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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 | $61,424 | $73,787-16.8% | $98,716-37.8% | $82,448-25.5% |
| Participation rate | 52.4% | 61.4%-9.0pp | 69.3%-16.9pp | 68.1%-15.6pp |
| Annual return | 14.00% | 18.57%-4.6pp | 31.81%-17.8pp | 41.64%-27.6pp |
| Employer contribution / active EE | $1,066 | $1,511-29.5% | $2,279-53.2% | $2,551-58.2% |
| Participant deferral / active EE | $3,220 | $3,081+4.5% | $4,048-20.4% | $4,139-22.2% |
| Admin fee / account holder | $1,141 | $6,500-82.5% | $8,703-86.9% | $7,234-84.2% |