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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 | $87,166-17.3% | $76,735-6.0% | $137,256-47.5% |
| Participation rate | 66.7% | 74.4%-7.7pp | 69.5%-2.8pp | 80.0%-13.3pp |
| Annual return | 18.12% | 26.50%-8.4pp | 29.77%-11.6pp | 220.34%-202.2pp |
| Employer contribution / active EE | $1,992 | $2,904-31.4% | $2,454-18.8% | $4,156-52.1% |
| Participant deferral / active EE | $5,500 | $4,726+16.4% | $4,088+34.5% | $6,407-14.2% |
| Admin fee / account holder | $3,502 | $8,403-58.3% | $7,189-51.3% | $12,270-71.5% |