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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 | $42,465 | $114,712-63.0% | $173,730-75.6% | $87,485-51.5% |
| Participation rate | 65.4% | 73.0%-7.6pp | 79.6%-14.2pp | 68.9%-3.5pp |
| Annual return | 17.42% | 20.18%-2.8pp | 19.96%-2.5pp | 26.06%-8.6pp |
| Employer contribution / active EE | $2,877 | $2,904-0.9% | $4,577-37.2% | $2,596+10.8% |
| Participant deferral / active EE | $4,870 | $4,642+4.9% | $6,326-23.0% | $4,274+14.0% |
| Admin fee / account holder | $930 | $10,210-90.9% | $17,523-94.7% | $7,775-88.0% |