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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 | $65,452 | $86,919-24.7% | $102,457-36.1% | $80,911-19.1% |
| Participation rate | 64.9% | 72.4%-7.5pp | 76.5%-11.6pp | 67.6%-2.8pp |
| Annual return | 11.09% | 18.90%-7.8pp | 29.41%-18.3pp | 35.63%-24.5pp |
| Employer contribution / active EE | $1,353 | $2,368-42.9% | $3,022-55.2% | $2,756-50.9% |
| Participant deferral / active EE | $3,040 | $4,119-26.2% | $5,054-39.8% | $4,297-29.2% |
| Admin fee / account holder | $3,537 | $8,049-56.1% | $9,451-62.6% | $6,935-49.0% |