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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 | $65,904 | $57,590+14.4% | $86,233-23.6% | $82,448-20.1% |
| Participation rate | 45.0% | 57.9%-12.9pp | 69.0%-24.0pp | 68.1%-23.1pp |
| Annual return | 16.35% | 22.41%-6.1pp | 61.39%-45.0pp | 41.64%-25.3pp |
| Employer contribution / active EE | $945 | $1,655-42.9% | $2,504-62.3% | $2,551-63.0% |
| Participant deferral / active EE | $2,283 | $3,080-25.9% | $4,559-49.9% | $4,139-44.8% |
| Admin fee / account holder | $5,073 | $4,730+7.2% | $8,342-39.2% | $7,234-29.9% |