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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 | $60,181 | $67,894-11.4% | $89,340-32.6% | $82,448-27.0% |
| Participation rate | 68.0% | 64.0%+4.0pp | 69.6%-1.6pp | 68.1%-0.1pp |
| Annual return | 14.13% | 19.21%-5.1pp | 20.57%-6.4pp | 41.64%-27.5pp |
| Employer contribution / active EE | $717 | $1,828-60.8% | $2,231-67.9% | $2,551-71.9% |
| Participant deferral / active EE | $1,354 | $3,072-55.9% | $3,823-64.6% | $4,139-67.3% |
| Admin fee / account holder | $1,177 | $5,723-79.4% | $6,704-82.4% | $7,234-83.7% |