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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 | $75,480 | $87,132-13.4% | $105,624-28.5% | $80,959-6.8% |
| Participation rate | 51.7% | 70.4%-18.7pp | 75.3%-23.5pp | 67.7%-15.9pp |
| Annual return | 10.28% | 17.03%-6.7pp | 116.20%-105.9pp | 35.67%-25.4pp |
| Employer contribution / active EE | $1,966 | $2,397-18.0% | $3,168-37.9% | $2,757-28.7% |
| Participant deferral / active EE | $5,229 | $3,985+31.2% | $5,013+4.3% | $4,300+21.6% |
| Admin fee / account holder | $6,872 | $8,449-18.7% | $10,961-37.3% | $6,925-0.8% |