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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 | $52,641 | $56,894-7.5% | $84,753-37.9% | $62,881-16.3% |
| Participation rate | 66.7% | 68.5%-1.9pp | 76.6%-9.9pp | 69.3%-2.6pp |
| Annual return | 10.85% | 6.30%+4.5pp | 22.78%-11.9pp | 20.14%-9.3pp |
| Employer contribution / active EE | $1,649 | $2,400-31.3% | $3,574-53.9% | $2,281-27.7% |
| Participant deferral / active EE | $3,069 | $2,709+13.3% | $3,712-17.3% | $3,203-4.2% |
| Admin fee / account holder | $1,546 | $3,581-56.8% | $5,333-71.0% | $4,296-64.0% |