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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 | $73,626 | $81,358-9.5% | $155,556-52.7% | $80,959-9.1% |
| Participation rate | 37.8% | 66.3%-28.4pp | 78.2%-40.4pp | 67.7%-29.8pp |
| Annual return | 19.07% | 33.39%-14.3pp | 64.84%-45.8pp | 35.67%-16.6pp |
| Employer contribution / active EE | $2,218 | $3,106-28.6% | $4,675-52.6% | $2,757-19.5% |
| Participant deferral / active EE | $5,302 | $3,455+53.4% | $5,631-5.8% | $4,300+23.3% |
| Admin fee / account holder | $876 | $7,994-89.0% | $15,885-94.5% | $6,925-87.4% |