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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 | $115,931-44.7% | $185,441-65.5% | $86,983-26.4% |
| Participation rate | 67.6% | 73.6%-6.0pp | 80.3%-12.6pp | 69.5%-1.9pp |
| Annual return | 17.91% | 21.47%-3.6pp | 20.16%-2.3pp | 25.83%-7.9pp |
| Employer contribution / active EE | $2,088 | $2,937-28.9% | $4,672-55.3% | $2,584-19.2% |
| Participant deferral / active EE | $2,920 | $4,551-35.8% | $6,152-52.5% | $4,194-30.4% |
| Admin fee / account holder | $1,390 | $10,687-87.0% | $17,890-92.2% | $7,856-82.3% |