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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 | $58,994 | $89,515-34.1% | $103,065-42.8% | $80,959-27.1% |
| Participation rate | 63.6% | 76.0%-12.4pp | 80.6%-16.9pp | 67.7%-4.0pp |
| Annual return | 20.30% | 22.82%-2.5pp | 23.95%-3.7pp | 35.67%-15.4pp |
| Employer contribution / active EE | $1,745 | $4,015-56.5% | $4,675-62.7% | $2,757-36.7% |
| Participant deferral / active EE | $5,479 | $5,463+0.3% | $6,625-17.3% | $4,300+27.4% |
| Admin fee / account holder | $5,642 | $6,527-13.6% | $9,349-39.6% | $6,925-18.5% |