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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 | $72,765 | $73,988-1.7% | $96,538-24.6% | $75,177-3.2% |
| Participation rate | 51.7% | 66.4%-14.7pp | 74.3%-22.6pp | 67.2%-15.5pp |
| Annual return | 16.88% | 26.73%-9.8pp | 35.74%-18.9pp | 160.75%-143.9pp |
| Employer contribution / active EE | $865 | $2,930-70.5% | $3,740-76.9% | $2,671-67.6% |
| Participant deferral / active EE | $3,044 | $3,660-16.8% | $4,880-37.6% | $4,126-26.2% |
| Admin fee / account holder | $3,760 | $5,220-28.0% | $6,737-44.2% | $5,651-33.5% |