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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 | $114,712-44.2% | $173,730-63.1% | $87,485-26.8% |
| Participation rate | 67.6% | 73.0%-5.3pp | 79.6%-11.9pp | 68.9%-1.3pp |
| Annual return | 17.91% | 20.18%-2.3pp | 19.96%-2.0pp | 26.06%-8.1pp |
| Employer contribution / active EE | $2,088 | $2,904-28.1% | $4,577-54.4% | $2,596-19.6% |
| Participant deferral / active EE | $2,920 | $4,642-37.1% | $6,326-53.8% | $4,274-31.7% |
| Admin fee / account holder | $1,390 | $10,210-86.4% | $17,523-92.1% | $7,775-82.1% |