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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 | $73,260 | $72,269+1.4% | $101,271-27.7% | $79,852-8.3% |
| Participation rate | 48.4% | 68.5%-20.1pp | 75.8%-27.4pp | 69.6%-21.3pp |
| Annual return | 19.05% | 22.29%-3.2pp | 46.48%-27.4pp | 31.72%-12.7pp |
| Employer contribution / active EE | $1,829 | $2,692-32.0% | $3,660-50.0% | $2,471-26.0% |
| Participant deferral / active EE | $5,028 | $3,282+53.2% | $4,371+15.0% | $3,740+34.4% |
| Admin fee / account holder | $2,133 | $4,401-51.5% | $5,948-64.1% | $5,306-59.8% |