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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 | $60,451 | $67,602-10.6% | $82,312-26.6% | $70,126-13.8% |
| Participation rate | 67.7% | 72.8%-5.1pp | 76.9%-9.2pp | 69.5%-1.8pp |
| Annual return | 17.77% | 21.57%-3.8pp | 25.88%-8.1pp | 73.15%-55.4pp |
| Employer contribution / active EE | $2,592 | $1,755+47.7% | $2,428+6.7% | $2,343+10.6% |
| Participant deferral / active EE | $5,230 | $2,987+75.1% | $3,706+41.1% | $3,332+57.0% |
| Admin fee / account holder | $1,612 | $4,512-64.3% | $5,608-71.2% | $4,645-65.3% |