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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 | $59,486 | $60,349-1.4% | $74,184-19.8% | $62,881-5.4% |
| Participation rate | 58.7% | 72.7%-14.0pp | 76.6%-17.9pp | 69.3%-10.6pp |
| Annual return | 6.79% | 21.38%-14.6pp | 17.74%-11.0pp | 20.14%-13.4pp |
| Employer contribution / active EE | $1,617 | $1,680-3.8% | $2,370-31.8% | $2,281-29.1% |
| Participant deferral / active EE | $2,963 | $2,856+3.7% | $3,550-16.5% | $3,203-7.5% |
| Admin fee / account holder | $2,853 | $4,261-33.0% | $5,586-48.9% | $4,296-33.6% |