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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 | $70,187 | $72,492-3.2% | $87,104-19.4% | $72,975-3.8% |
| Participation rate | 52.1% | 72.8%-20.7pp | 76.9%-24.8pp | 69.5%-17.4pp |
| Annual return | 20.34% | 24.46%-4.1pp | 28.19%-7.9pp | 81.01%-60.7pp |
| Employer contribution / active EE | $1,423 | $1,894-24.9% | $2,521-43.6% | $2,440-41.7% |
| Participant deferral / active EE | $3,426 | $3,270+4.8% | $4,048-15.4% | $3,608-5.0% |
| Admin fee / account holder | $688 | $5,055-86.4% | $7,491-90.8% | $5,124-86.6% |