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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 | $66,900 | $81,476-17.9% | $102,383-34.7% | $80,925-17.3% |
| Participation rate | 64.0% | 66.8%-2.8pp | 74.5%-10.5pp | 67.7%-3.7pp |
| Annual return | 12.29% | 25.59%-13.3pp | 24.94%-12.6pp | 35.65%-23.4pp |
| Employer contribution / active EE | $3,235 | $3,105+4.2% | $3,870-16.4% | $2,756+17.4% |
| Participant deferral / active EE | $5,784 | $3,871+49.4% | $5,060+14.3% | $4,299+34.6% |
| Admin fee / account holder | $1,991 | $6,717-70.4% | $8,391-76.3% | $6,940-71.3% |