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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 | $64,984 | $87,106-25.4% | $105,607-38.5% | $80,935-19.7% |
| Participation rate | 62.1% | 70.4%-8.4pp | 75.3%-13.2pp | 67.7%-5.6pp |
| Annual return | 12.11% | 17.01%-4.9pp | 116.11%-104.0pp | 35.66%-23.5pp |
| Employer contribution / active EE | $2,170 | $2,396-9.5% | $3,167-31.5% | $2,757-21.3% |
| Participant deferral / active EE | $3,966 | $3,986-0.5% | $5,011-20.9% | $4,299-7.8% |
| Admin fee / account holder | $4,450 | $8,447-47.3% | $10,958-59.4% | $6,924-35.7% |