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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 | $45,288 | $69,383-34.7% | $101,271-55.3% | $73,493-38.4% |
| Participation rate | 68.3% | 68.4%-0.1pp | 75.8%-7.5pp | 70.7%-2.4pp |
| Annual return | 15.64% | 18.46%-2.8pp | 46.48%-30.8pp | 28.51%-12.9pp |
| Employer contribution / active EE | $2,656 | $2,628+1.1% | $3,660-27.4% | $2,270+17.0% |
| Participant deferral / active EE | $5,695 | $3,301+72.5% | $4,371+30.3% | $3,740+52.3% |
| Admin fee / account holder | $6,946 | $704+887.0% | $5,948+16.8% | $513+1253.9% |