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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 | $78,548 | $101,798-22.8% | $165,071-52.4% | $80,935-2.9% |
| Participation rate | 65.5% | 71.8%-6.3pp | 78.6%-13.1pp | 67.7%-2.1pp |
| Annual return | 19.93% | 16.73%+3.2pp | 70.17%-50.2pp | 35.66%-15.7pp |
| Employer contribution / active EE | $3,027 | $2,954+2.5% | $4,347-30.4% | $2,757+9.8% |
| Participant deferral / active EE | $3,249 | $4,476-27.4% | $6,035-46.2% | $4,299-24.4% |
| Admin fee / account holder | $7,442 | $8,221-9.5% | $12,695-41.4% | $6,924+7.5% |