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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 | $45,401 | $124,213-63.4% | $118,106-61.6% | $154,746-70.7% |
| Participation rate | 69.2% | 83.6%-14.4pp | 81.9%-12.6pp | 80.7%-11.5pp |
| Annual return | 19.70% | 18.29%+1.4pp | 19.44%+0.3pp | 172.34%-152.6pp |
| Employer contribution / active EE | $2,060 | $4,905-58.0% | $4,698-56.2% | $4,379-53.0% |
| Participant deferral / active EE | $4,130 | $6,859-39.8% | $6,619-37.6% | $6,730-38.6% |
| Admin fee / account holder | $702 | $9,627-92.7% | $8,973-92.2% | $14,365-95.1% |