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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 | $64,352 | $72,269-11.0% | $101,271-36.5% | $79,852-19.4% |
| Participation rate | 54.1% | 68.5%-14.4pp | 75.8%-21.8pp | 69.6%-15.6pp |
| Annual return | 16.38% | 22.29%-5.9pp | 46.48%-30.1pp | 31.72%-15.3pp |
| Employer contribution / active EE | $2,020 | $2,692-24.9% | $3,660-44.8% | $2,471-18.2% |
| Participant deferral / active EE | $3,316 | $3,282+1.0% | $4,371-24.1% | $3,740-11.4% |
| Admin fee / account holder | $1,158 | $4,401-73.7% | $5,948-80.5% | $5,306-78.2% |