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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 | $63,918 | $138,386-53.8% | $184,260-65.3% | $80,935-21.0% |
| Participation rate | 61.6% | 83.9%-22.2pp | 86.8%-25.2pp | 67.7%-6.0pp |
| Annual return | 28.43% | 20.02%+8.4pp | 28.84%-0.4pp | 35.66%-7.2pp |
| Employer contribution / active EE | $3,881 | $4,851-20.0% | $6,427-39.6% | $2,757+40.8% |
| Participant deferral / active EE | $8,578 | $7,076+21.2% | $9,133-6.1% | $4,299+99.5% |
| Admin fee / account holder | $13,408 | $10,489+27.8% | $13,898-3.5% | $6,924+93.6% |