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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 | $68,839 | $86,050-20.0% | $189,758-63.7% | $94,015-26.8% |
| Participation rate | 59.6% | 68.9%-9.3pp | 79.8%-20.2pp | 70.8%-11.2pp |
| Annual return | 17.12% | 17.77%-0.7pp | 52.62%-35.5pp | 17.84%-0.7pp |
| Employer contribution / active EE | $1,477 | $2,819-47.6% | $4,767-69.0% | $2,790-47.1% |
| Participant deferral / active EE | $3,636 | $3,349+8.6% | $5,856-37.9% | $4,249-14.4% |
| Admin fee / account holder | $2,235 | $6,627-66.3% | $20,388-89.0% | $8,951-75.0% |