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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 | $54,868 | $60,349-9.1% | $74,184-26.0% | $62,881-12.7% |
| Participation rate | 64.3% | 72.7%-8.4pp | 76.6%-12.3pp | 69.3%-5.0pp |
| Annual return | 11.59% | 21.38%-9.8pp | 17.74%-6.1pp | 20.14%-8.6pp |
| Employer contribution / active EE | $2,284 | $1,680+35.9% | $2,370-3.6% | $2,281+0.1% |
| Participant deferral / active EE | $4,632 | $2,856+62.2% | $3,550+30.5% | $3,203+44.6% |
| Admin fee / account holder | $7,858 | $4,261+84.4% | $5,586+40.7% | $4,296+82.9% |