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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 | $58,717 | $78,015-24.7% | $178,505-67.1% | $80,959-27.5% |
| Participation rate | 60.0% | 65.7%-5.7pp | 77.1%-17.1pp | 67.7%-7.7pp |
| Annual return | 14.72% | 18.10%-3.4pp | 27.16%-12.4pp | 35.67%-21.0pp |
| Employer contribution / active EE | $2,114 | $2,281-7.4% | $3,955-46.6% | $2,757-23.3% |
| Participant deferral / active EE | $4,766 | $4,406+8.2% | $6,280-24.1% | $4,300+10.8% |
| Admin fee / account holder | $1,415 | $7,160-80.2% | $10,428-86.4% | $6,925-79.6% |