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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 | $55,051 | $181,896-69.7% | $156,551-64.8% | $273,972-79.9% |
| Participation rate | 66.7% | 88.4%-21.7pp | 84.0%-17.3pp | 83.0%-16.3pp |
| Annual return | 3.15% | 30.74%-27.6pp | 32.23%-29.1pp | 41.46%-38.3pp |
| Employer contribution / active EE | $3,835 | $6,248-38.6% | $5,501-30.3% | $4,869-21.2% |
| Participant deferral / active EE | $7,833 | $5,550+41.1% | $4,871+60.8% | $5,287+48.2% |
| Admin fee / account holder | $766 | $15,560-95.1% | $13,028-94.1% | $10,133-92.4% |