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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 | $57,058 | $101,778-43.9% | $164,975-65.4% | $80,925-29.5% |
| Participation rate | 63.6% | 71.8%-8.2pp | 78.6%-15.0pp | 67.7%-4.0pp |
| Annual return | 12.88% | 16.73%-3.8pp | 70.12%-57.2pp | 35.65%-22.8pp |
| Employer contribution / active EE | $3,021 | $2,954+2.3% | $4,343-30.4% | $2,756+9.6% |
| Participant deferral / active EE | $6,656 | $4,477+48.7% | $6,033+10.3% | $4,299+54.8% |
| Admin fee / account holder | $3,489 | $8,221-57.6% | $12,688-72.5% | $6,940-49.7% |