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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 | $64,057 | $108,825-41.1% | $156,181-59.0% | $82,448-22.3% |
| Participation rate | 67.6% | 72.4%-4.7pp | 78.8%-11.2pp | 68.1%-0.4pp |
| Annual return | 17.91% | 20.59%-2.7pp | 64.87%-47.0pp | 41.64%-23.7pp |
| Employer contribution / active EE | $2,088 | $2,870-27.2% | $4,294-51.4% | $2,551-18.2% |
| Participant deferral / active EE | $2,920 | $4,577-36.2% | $6,132-52.4% | $4,139-29.4% |
| Admin fee / account holder | $1,390 | $9,341-85.1% | $14,586-90.5% | $7,234-80.8% |