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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 | $91,408 | $112,729-18.9% | $98,716-7.4% | $137,256-33.4% |
| Participation rate | 60.0% | 74.2%-14.2pp | 69.3%-9.3pp | 80.0%-20.0pp |
| Annual return | 18.22% | 38.48%-20.3pp | 31.81%-13.6pp | 220.34%-202.1pp |
| Employer contribution / active EE | $2,216 | $2,725-18.7% | $2,279-2.7% | $4,156-46.7% |
| Participant deferral / active EE | $3,622 | $4,640-21.9% | $4,048-10.5% | $6,407-43.5% |
| Admin fee / account holder | $1,174 | $10,129-88.4% | $8,703-86.5% | $12,270-90.4% |