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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 | $61,281 | $93,598-34.5% | $135,974-54.9% | $75,173-18.5% |
| Participation rate | 65.2% | 75.2%-10.0pp | 81.9%-16.7pp | 67.2%-2.0pp |
| Annual return | 28.86% | 30.89%-2.0pp | 68.30%-39.4pp | 160.72%-131.9pp |
| Employer contribution / active EE | $4,286 | $3,538+21.1% | $4,859-11.8% | $2,671+60.5% |
| Participant deferral / active EE | $8,573 | $6,405+33.8% | $7,760+10.5% | $4,126+107.8% |
| Admin fee / account holder | $3,987 | $6,978-42.9% | $10,767-63.0% | $5,651-29.4% |