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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 | $72,092 | $88,996-19.0% | $78,004-7.6% | $138,895-48.1% |
| Participation rate | 66.7% | 74.4%-7.7pp | 69.4%-2.8pp | 79.9%-13.3pp |
| Annual return | 18.12% | 28.03%-9.9pp | 31.07%-12.9pp | 145.39%-127.3pp |
| Employer contribution / active EE | $1,992 | $2,917-31.7% | $2,469-19.3% | $4,194-52.5% |
| Participant deferral / active EE | $5,500 | $4,724+16.4% | $4,092+34.4% | $6,396-14.0% |
| Admin fee / account holder | $3,502 | $8,807-60.2% | $7,578-53.8% | $12,562-72.1% |