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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 | $40,244 | $95,453-57.8% | $112,040-64.1% | $82,448-51.2% |
| Participation rate | 60.6% | 72.8%-12.2pp | 76.5%-15.9pp | 68.1%-7.5pp |
| Annual return | 18.31% | 23.92%-5.6pp | 24.52%-6.2pp | 41.64%-23.3pp |
| Employer contribution / active EE | $2,779 | $2,318+19.9% | $2,954-5.9% | $2,551+8.9% |
| Participant deferral / active EE | $7,609 | $4,224+80.1% | $5,098+49.3% | $4,139+83.8% |
| Admin fee / account holder | $7,858 | $9,013-12.8% | $12,098-35.0% | $7,234+8.6% |