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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 | $68,513 | $73,787-7.1% | $98,716-30.6% | $82,448-16.9% |
| Participation rate | 50.5% | 61.4%-10.9pp | 69.3%-18.8pp | 68.1%-17.5pp |
| Annual return | 14.76% | 18.57%-3.8pp | 31.81%-17.0pp | 41.64%-26.9pp |
| Employer contribution / active EE | $1,676 | $1,511+10.9% | $2,279-26.4% | $2,551-34.3% |
| Participant deferral / active EE | $3,173 | $3,081+3.0% | $4,048-21.6% | $4,139-23.3% |
| Admin fee / account holder | $3,749 | $6,500-42.3% | $8,703-56.9% | $7,234-48.2% |