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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 | $55,165 | $64,920-15.0% | $103,693-46.8% | $86,983-36.6% |
| Participation rate | 35.6% | 63.6%-28.0pp | 72.6%-37.0pp | 69.5%-33.9pp |
| Annual return | 14.42% | 30.29%-15.9pp | 47.61%-33.2pp | 25.83%-11.4pp |
| Employer contribution / active EE | $1,626 | $2,141-24.1% | $2,920-44.3% | $2,584-37.1% |
| Participant deferral / active EE | $1,925 | $3,241-40.6% | $4,579-58.0% | $4,194-54.1% |
| Admin fee / account holder | $7,889 | $6,191+27.4% | $7,858+0.4% | $7,856+0.4% |