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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 | $66,536 | $126,661-47.5% | $113,397-41.3% | $138,895-52.1% |
| Participation rate | 61.5% | 79.4%-17.9pp | 76.5%-15.0pp | 79.9%-18.4pp |
| Annual return | 18.11% | 25.05%-6.9pp | 23.20%-5.1pp | 145.39%-127.3pp |
| Employer contribution / active EE | $1,783 | $3,456-48.4% | $2,977-40.1% | $4,194-57.5% |
| Participant deferral / active EE | $5,732 | $5,693+0.7% | $5,076+12.9% | $6,396-10.4% |
| Admin fee / account holder | $852 | $14,549-94.1% | $11,957-92.9% | $12,562-93.2% |