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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 | $60,540 | $77,896-22.3% | $134,172-54.9% | $82,448-26.6% |
| Participation rate | 45.2% | 62.8%-17.6pp | 72.5%-27.3pp | 68.1%-22.9pp |
| Annual return | 15.35% | 18.21%-2.9pp | 25.30%-10.0pp | 41.64%-26.3pp |
| Employer contribution / active EE | $2,198 | $2,159+1.8% | $3,420-35.7% | $2,551-13.8% |
| Participant deferral / active EE | $3,289 | $3,162+4.0% | $4,690-29.9% | $4,139-20.5% |
| Admin fee / account holder | $9,151 | $6,336+44.4% | $12,016-23.8% | $7,234+26.5% |