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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 | $68,213 | $73,988-7.8% | $96,538-29.3% | $75,177-9.3% |
| Participation rate | 56.0% | 66.4%-10.4pp | 74.3%-18.3pp | 67.2%-11.2pp |
| Annual return | 17.26% | 26.73%-9.5pp | 35.74%-18.5pp | 160.75%-143.5pp |
| Employer contribution / active EE | $2,117 | $2,930-27.7% | $3,740-43.4% | $2,671-20.7% |
| Participant deferral / active EE | $3,660 | $3,6600% | $4,880-25.0% | $4,126-11.3% |
| Admin fee / account holder | $5,472 | $5,220+4.8% | $6,737-18.8% | $5,651-3.2% |