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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 | $70,258 | $101,778-31.0% | $164,975-57.4% | $80,925-13.2% |
| Participation rate | 65.9% | 71.8%-6.0pp | 78.6%-12.8pp | 67.7%-1.8pp |
| Annual return | 12.84% | 16.73%-3.9pp | 70.12%-57.3pp | 35.65%-22.8pp |
| Employer contribution / active EE | $2,652 | $2,954-10.2% | $4,343-38.9% | $2,756-3.8% |
| Participant deferral / active EE | $3,482 | $4,477-22.2% | $6,033-42.3% | $4,299-19.0% |
| Admin fee / account holder | $5,976 | $8,221-27.3% | $12,688-52.9% | $6,940-13.9% |