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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 | $72,815 | $81,358-10.5% | $155,556-53.2% | $80,959-10.1% |
| Participation rate | 64.9% | 66.3%-1.4pp | 78.2%-13.3pp | 67.7%-2.8pp |
| Annual return | 13.11% | 33.39%-20.3pp | 64.84%-51.7pp | 35.67%-22.6pp |
| Employer contribution / active EE | $1,737 | $3,106-44.1% | $4,675-62.9% | $2,757-37.0% |
| Participant deferral / active EE | $2,958 | $3,455-14.4% | $5,631-47.5% | $4,300-31.2% |
| Admin fee / account holder | $3,020 | $7,994-62.2% | $15,885-81.0% | $6,925-56.4% |