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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 | $63,029 | $78,015-19.2% | $178,505-64.7% | $80,959-22.1% |
| Participation rate | 53.6% | 65.7%-12.1pp | 77.1%-23.5pp | 67.7%-14.1pp |
| Annual return | 19.23% | 18.10%+1.1pp | 27.16%-7.9pp | 35.67%-16.4pp |
| Employer contribution / active EE | $2,027 | $2,281-11.2% | $3,955-48.8% | $2,757-26.5% |
| Participant deferral / active EE | $5,546 | $4,406+25.9% | $6,280-11.7% | $4,300+29.0% |
| Admin fee / account holder | $1,639 | $7,160-77.1% | $10,428-84.3% | $6,925-76.3% |