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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 | $42,701 | $58,627-27.2% | $76,735-44.4% | $82,448-48.2% |
| Participation rate | 69.5% | 63.2%+6.3pp | 69.5%0pp | 68.1%+1.4pp |
| Annual return | 17.09% | 39.10%-22.0pp | 29.77%-12.7pp | 41.64%-24.6pp |
| Employer contribution / active EE | $2,267 | $1,729+31.1% | $2,454-7.6% | $2,551-11.1% |
| Participant deferral / active EE | $3,640 | $3,134+16.1% | $4,088-11.0% | $4,139-12.1% |
| Admin fee / account holder | $2,593 | $5,323-51.3% | $7,189-63.9% | $7,234-64.2% |