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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 | $87,020 | $106,524-18.3% | $152,301-42.9% | $87,485-0.5% |
| Participation rate | 59.5% | 75.8%-16.3pp | 82.4%-23.0pp | 68.9%-9.5pp |
| Annual return | 19.31% | 26.89%-7.6pp | 80.50%-61.2pp | 26.06%-6.7pp |
| Employer contribution / active EE | $2,007 | $3,371-40.5% | $4,624-56.6% | $2,596-22.7% |
| Participant deferral / active EE | $5,391 | $6,525-17.4% | $8,004-32.6% | $4,274+26.1% |
| Admin fee / account holder | $874 | $8,287-89.5% | $14,398-93.9% | $7,775-88.8% |