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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 | $72,873 | $83,485-12.7% | $125,195-41.8% | $72,976-0.1% |
| Participation rate | 68.6% | 73.3%-4.7pp | 79.8%-11.2pp | 69.5%-0.9pp |
| Annual return | 19.51% | 25.77%-6.3pp | 43.79%-24.3pp | 81.02%-61.5pp |
| Employer contribution / active EE | $1,787 | $2,346-23.8% | $3,866-53.8% | $2,440-26.8% |
| Participant deferral / active EE | $3,699 | $3,586+3.1% | $4,937-25.1% | $3,608+2.5% |
| Admin fee / account holder | $1,768 | $5,518-68.0% | $9,704-81.8% | $5,124-65.5% |