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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 | $68,628 | $181,896-62.3% | $156,551-56.2% | $273,972-75.0% |
| Participation rate | 66.7% | 88.4%-21.7pp | 84.0%-17.3pp | 83.0%-16.3pp |
| Annual return | 9.03% | 30.74%-21.7pp | 32.23%-23.2pp | 41.46%-32.4pp |
| Employer contribution / active EE | $5,454 | $6,248-12.7% | $5,501-0.9% | $4,869+12.0% |
| Participant deferral / active EE | $3,269 | $5,550-41.1% | $4,871-32.9% | $5,287-38.2% |
| Admin fee / account holder | $849 | $15,560-94.5% | $13,028-93.5% | $10,133-91.6% |