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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 | $65,922 | $102,609-35.8% | $98,090-32.8% | $138,895-52.5% |
| Participation rate | 60.0% | 82.8%-22.8pp | 81.5%-21.5pp | 79.9%-19.9pp |
| Annual return | 17.57% | 36.44%-18.9pp | 37.05%-19.5pp | 145.39%-127.8pp |
| Employer contribution / active EE | $1,989 | $3,867-48.6% | $3,606-44.9% | $4,194-52.6% |
| Participant deferral / active EE | $4,286 | $8,167-47.5% | $7,845-45.4% | $6,396-33.0% |
| Admin fee / account holder | $6,416 | $11,434-43.9% | $11,815-45.7% | $12,562-48.9% |