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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 | $66,114 | $77,896-15.1% | $134,172-50.7% | $82,448-19.8% |
| Participation rate | 68.6% | 62.8%+5.8pp | 72.5%-3.8pp | 68.1%+0.6pp |
| Annual return | 13.17% | 18.21%-5.0pp | 25.30%-12.1pp | 41.64%-28.5pp |
| Employer contribution / active EE | $1,255 | $2,159-41.9% | $3,420-63.3% | $2,551-50.8% |
| Participant deferral / active EE | $4,013 | $3,162+26.9% | $4,690-14.4% | $4,139-3.0% |
| Admin fee / account holder | $5,343 | $6,336-15.7% | $12,016-55.5% | $7,234-26.1% |