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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 | $62,802 | $99,345-36.8% | $84,753-25.9% | $273,972-77.1% |
| Participation rate | 69.2% | 80.7%-11.5pp | 76.6%-7.4pp | 83.0%-13.8pp |
| Annual return | 7.48% | 22.93%-15.5pp | 22.78%-15.3pp | 41.46%-34.0pp |
| Employer contribution / active EE | $2,014 | $4,214-52.2% | $3,574-43.7% | $4,869-58.6% |
| Participant deferral / active EE | $5,573 | $4,270+30.5% | $3,712+50.1% | $5,287+5.4% |
| Admin fee / account holder | $10,683 | $6,645+60.8% | $5,333+100.3% | $10,133+5.4% |