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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 | $73,754 | $81,487-9.5% | $102,412-28.0% | $80,935-8.9% |
| Participation rate | 35.7% | 66.8%-31.1pp | 74.5%-38.8pp | 67.7%-31.9pp |
| Annual return | 18.58% | 25.60%-7.0pp | 24.94%-6.4pp | 35.66%-17.1pp |
| Employer contribution / active EE | $1,683 | $3,103-45.7% | $3,870-56.5% | $2,757-38.9% |
| Participant deferral / active EE | $3,399 | $3,871-12.2% | $5,060-32.8% | $4,299-20.9% |
| Admin fee / account holder | $8,678 | $6,717+29.2% | $8,388+3.5% | $6,924+25.3% |