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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 | $64,002 | $118,488-46.0% | $98,462-35.0% | $139,487-54.1% |
| Participation rate | 62.5% | 77.5%-15.0pp | 75.2%-12.7pp | 80.3%-17.8pp |
| Annual return | 24.85% | 18.96%+5.9pp | 21.17%+3.7pp | 373.84%-349.0pp |
| Employer contribution / active EE | $2,352 | $3,611-34.9% | $3,049-22.8% | $4,755-50.5% |
| Participant deferral / active EE | $4,649 | $5,393-13.8% | $4,738-1.9% | $6,713-30.7% |
| Admin fee / account holder | $1,020 | $13,868-92.6% | $8,875-88.5% | $11,407-91.1% |