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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 | $61,578 | $62,132-0.9% | $185,835-66.9% | $73,493-16.2% |
| Participation rate | 53.0% | 67.8%-14.8pp | 78.0%-25.0pp | 70.7%-17.7pp |
| Annual return | 22.35% | 20.44%+1.9pp | 35.96%-13.6pp | 28.51%-6.2pp |
| Employer contribution / active EE | $1,292 | $1,681-23.2% | $4,087-68.4% | $2,270-43.1% |
| Participant deferral / active EE | $2,738 | $3,711-26.2% | $5,633-51.4% | $3,740-26.8% |
| Admin fee / account holder | $2,946 | $419+603.5% | $9,502-69.0% | $513+474.1% |