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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 | $51,684 | $97,550-47.0% | $120,344-57.1% | $87,485-40.9% |
| Participation rate | 68.9% | 72.8%-3.9pp | 76.7%-7.8pp | 68.9%0pp |
| Annual return | 12.99% | 18.41%-5.4pp | 20.30%-7.3pp | 26.06%-13.1pp |
| Employer contribution / active EE | $1,713 | $2,291-25.2% | $3,020-43.3% | $2,596-34.0% |
| Participant deferral / active EE | $3,149 | $4,230-25.5% | $5,135-38.7% | $4,274-26.3% |
| Admin fee / account holder | $1,614 | $9,543-83.1% | $12,742-87.3% | $7,775-79.2% |