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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 | $59,386 | $75,720-21.6% | $90,312-34.2% | $86,983-31.7% |
| Participation rate | 54.2% | 66.3%-12.1pp | 72.9%-18.7pp | 69.5%-15.4pp |
| Annual return | 15.87% | 18.55%-2.7pp | 18.90%-3.0pp | 25.83%-10.0pp |
| Employer contribution / active EE | $1,175 | $1,945-39.6% | $2,243-47.6% | $2,584-54.5% |
| Participant deferral / active EE | $3,415 | $3,001+13.8% | $3,749-8.9% | $4,194-18.6% |
| Admin fee / account holder | $4,166 | $6,201-32.8% | $8,248-49.5% | $7,856-47.0% |