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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 | $69,448 | $81,487-14.8% | $102,412-32.2% | $80,935-14.2% |
| Participation rate | 43.8% | 66.8%-23.1pp | 74.5%-30.8pp | 67.7%-23.9pp |
| Annual return | 13.22% | 25.60%-12.4pp | 24.94%-11.7pp | 35.66%-22.4pp |
| Employer contribution / active EE | $2,973 | $3,103-4.2% | $3,870-23.2% | $2,757+7.9% |
| Participant deferral / active EE | $4,426 | $3,871+14.3% | $5,060-12.5% | $4,299+2.9% |
| Admin fee / account holder | $1,830 | $6,717-72.8% | $8,388-78.2% | $6,924-73.6% |