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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 | $58,296 | $181,896-68.0% | $156,551-62.8% | $273,972-78.7% |
| Participation rate | 58.8% | 88.4%-29.6pp | 84.0%-25.2pp | 83.0%-24.2pp |
| Annual return | 5.80% | 30.74%-24.9pp | 32.23%-26.4pp | 41.46%-35.7pp |
| Employer contribution / active EE | $8,267 | $6,248+32.3% | $5,501+50.3% | $4,869+69.8% |
| Participant deferral / active EE | $3,431 | $5,550-38.2% | $4,871-29.6% | $5,287-35.1% |
| Admin fee / account holder | $401 | $15,560-97.4% | $13,028-96.9% | $10,133-96.0% |