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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 | $59,304 | $78,015-24.0% | $178,505-66.8% | $80,959-26.7% |
| Participation rate | 63.6% | 65.7%-2.0pp | 77.1%-13.5pp | 67.7%-4.0pp |
| Annual return | 14.06% | 18.10%-4.0pp | 27.16%-13.1pp | 35.67%-21.6pp |
| Employer contribution / active EE | $2,219 | $2,281-2.8% | $3,955-43.9% | $2,757-19.5% |
| Participant deferral / active EE | $5,693 | $4,406+29.2% | $6,280-9.4% | $4,300+32.4% |
| Admin fee / account holder | $3,581 | $7,160-50.0% | $10,428-65.7% | $6,925-48.3% |