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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 | $65,859 | $77,962-15.5% | $178,540-63.1% | $80,935-18.6% |
| Participation rate | 47.4% | 65.7%-18.3pp | 77.1%-29.7pp | 67.7%-20.3pp |
| Annual return | 15.27% | 18.10%-2.8pp | 27.15%-11.9pp | 35.66%-20.4pp |
| Employer contribution / active EE | $2,234 | $2,280-2.0% | $3,953-43.5% | $2,757-19.0% |
| Participant deferral / active EE | $5,859 | $4,404+33.0% | $6,281-6.7% | $4,299+36.3% |
| Admin fee / account holder | $688 | $7,156-90.4% | $10,424-93.4% | $6,924-90.1% |