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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 | $73,591 | $112,729-34.7% | $98,716-25.5% | $137,256-46.4% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 21.46% | 38.48%-17.0pp | 31.81%-10.3pp | 220.34%-198.9pp |
| Employer contribution / active EE | $2,149 | $2,725-21.2% | $2,279-5.7% | $4,156-48.3% |
| Participant deferral / active EE | $3,101 | $4,640-33.2% | $4,048-23.4% | $6,407-51.6% |
| Admin fee / account holder | $964 | $10,129-90.5% | $8,703-88.9% | $12,270-92.1% |