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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 | $63,886 | $81,504-21.6% | $102,437-37.6% | $80,959-21.1% |
| Participation rate | 60.6% | 66.9%-6.2pp | 74.5%-13.9pp | 67.7%-7.1pp |
| Annual return | 19.46% | 25.60%-6.1pp | 24.95%-5.5pp | 35.67%-16.2pp |
| Employer contribution / active EE | $2,084 | $3,104-32.9% | $3,871-46.2% | $2,757-24.4% |
| Participant deferral / active EE | $3,110 | $3,871-19.6% | $5,060-38.5% | $4,300-27.7% |
| Admin fee / account holder | $9,145 | $6,719+36.1% | $8,388+9.0% | $6,925+32.0% |