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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 | $71,803 | $96,558-25.6% | $80,977-11.3% | $273,972-73.8% |
| Participation rate | 66.7% | 79.1%-12.4pp | 75.8%-9.1pp | 83.0%-16.3pp |
| Annual return | 13.98% | 15.14%-1.2pp | 17.11%-3.1pp | 41.46%-27.5pp |
| Employer contribution / active EE | $5,351 | $4,869+9.9% | $3,715+44.1% | $4,869+9.9% |
| Participant deferral / active EE | $2,484 | $6,598-62.4% | $5,696-56.4% | $5,287-53.0% |
| Admin fee / account holder | $922 | $7,493-87.7% | $5,517-83.3% | $10,133-90.9% |