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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 | $58,411 | $181,896-67.9% | $156,551-62.7% | $273,972-78.7% |
| Participation rate | 60.0% | 88.4%-28.4pp | 84.0%-24.0pp | 83.0%-23.0pp |
| Annual return | 7.22% | 30.74%-23.5pp | 32.23%-25.0pp | 41.46%-34.2pp |
| Employer contribution / active EE | $2,363 | $6,248-62.2% | $5,501-57.0% | $4,869-51.5% |
| Participant deferral / active EE | $3,898 | $5,550-29.8% | $4,871-20.0% | $5,287-26.3% |
| Admin fee / account holder | $1,335 | $15,560-91.4% | $13,028-89.8% | $10,133-86.8% |