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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 | $60,090 | $83,898-28.4% | $133,346-54.9% | $94,015-36.1% |
| Participation rate | 63.3% | 63.4%-0.1pp | 72.8%-9.6pp | 70.8%-7.6pp |
| Annual return | 15.99% | 16.00%0pp | 36.85%-20.9pp | 17.84%-1.9pp |
| Employer contribution / active EE | $1,336 | $1,821-26.6% | $2,853-53.2% | $2,790-52.1% |
| Participant deferral / active EE | $4,330 | $3,245+33.4% | $4,332-0.1% | $4,249+1.9% |
| Admin fee / account holder | $3,535 | $7,809-54.7% | $14,264-75.2% | $8,951-60.5% |