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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 | $34,674 | $79,961-56.6% | $98,462-64.8% | $75,177-53.9% |
| Participation rate | 67.2% | 70.4%-3.2pp | 75.2%-8.0pp | 67.2%0pp |
| Annual return | 16.01% | 19.75%-3.7pp | 21.17%-5.2pp | 160.75%-144.7pp |
| Employer contribution / active EE | $2,244 | $2,264-0.9% | $3,049-26.4% | $2,671-16.0% |
| Participant deferral / active EE | $2,531 | $3,753-32.6% | $4,738-46.6% | $4,126-38.7% |
| Admin fee / account holder | $944 | $6,842-86.2% | $8,875-89.4% | $5,651-83.3% |