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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 | $60,339 | $80,985-25.5% | $96,576-37.5% | $75,181-19.7% |
| Participation rate | 69.8% | 71.8%-1.9pp | 76.0%-6.1pp | 67.2%+2.6pp |
| Annual return | 18.45% | 27.05%-8.6pp | 25.87%-7.4pp | 160.69%-142.2pp |
| Employer contribution / active EE | $2,507 | $2,282+9.9% | $2,965-15.4% | $2,671-6.1% |
| Participant deferral / active EE | $5,400 | $3,929+37.4% | $4,851+11.3% | $4,126+30.9% |
| Admin fee / account holder | $2,532 | $6,719-62.3% | $8,253-69.3% | $5,650-55.2% |