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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 | $81,446-21.6% | $103,374-38.2% | $80,874-21.0% |
| Participation rate | 60.6% | 66.9%-6.2pp | 74.5%-13.9pp | 67.6%-7.0pp |
| Annual return | 19.46% | 25.57%-6.1pp | 24.89%-5.4pp | 35.62%-16.2pp |
| Employer contribution / active EE | $2,084 | $3,107-32.9% | $3,869-46.1% | $2,756-24.4% |
| Participant deferral / active EE | $3,110 | $3,870-19.6% | $5,058-38.5% | $4,297-27.6% |
| Admin fee / account holder | $9,145 | $6,715+36.2% | $8,394+8.9% | $6,935+31.9% |