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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 | $27,536 | $79,955-65.6% | $98,461-72.0% | $75,173-63.4% |
| Participation rate | 59.0% | 70.4%-11.3pp | 75.2%-16.2pp | 67.2%-8.2pp |
| Annual return | 21.18% | 19.75%+1.4pp | 21.17%0pp | 160.72%-139.5pp |
| Employer contribution / active EE | $2,208 | $2,264-2.5% | $3,049-27.6% | $2,671-17.3% |
| Participant deferral / active EE | $4,393 | $3,752+17.1% | $4,738-7.3% | $4,126+6.5% |
| Admin fee / account holder | $966 | $6,841-85.9% | $8,961-89.2% | $5,651-82.9% |