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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 | $50,599 | $106,524-52.5% | $152,301-66.8% | $87,485-42.2% |
| Participation rate | 68.9% | 75.8%-6.9pp | 82.4%-13.6pp | 68.9%0pp |
| Annual return | 15.34% | 26.89%-11.5pp | 80.50%-65.2pp | 26.06%-10.7pp |
| Employer contribution / active EE | $2,079 | $3,371-38.3% | $4,624-55.1% | $2,596-19.9% |
| Participant deferral / active EE | $5,358 | $6,525-17.9% | $8,004-33.1% | $4,274+25.4% |
| Admin fee / account holder | $1,313 | $8,287-84.2% | $14,398-90.9% | $7,775-83.1% |