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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 | $73,215 | $99,994-26.8% | $146,647-50.1% | $85,851-14.7% |
| Participation rate | 58.1% | 73.1%-15.0pp | 80.1%-22.0pp | 69.3%-11.3pp |
| Annual return | 13.40% | 18.93%-5.5pp | 22.75%-9.3pp | 318.63%-305.2pp |
| Employer contribution / active EE | $2,893 | $2,559+13.0% | $4,137-30.1% | $2,565+12.8% |
| Participant deferral / active EE | $4,536 | $4,006+13.2% | $5,506-17.6% | $3,952+14.8% |
| Admin fee / account holder | $8,344 | $7,703+8.3% | $10,281-18.8% | $6,261+33.3% |