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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 | $79,495 | $210,343-62.2% | $153,476-48.2% | $145,978-45.5% |
| Participation rate | 52.4% | 82.1%-29.7pp | 77.1%-24.7pp | 80.3%-27.9pp |
| Annual return | 11.87% | 13.38%-1.5pp | 15.66%-3.8pp | 550.52%-538.7pp |
| Employer contribution / active EE | $2,345 | $6,047-61.2% | $5,038-53.5% | $4,662-49.7% |
| Participant deferral / active EE | $4,995 | $7,977-37.4% | $6,759-26.1% | $6,690-25.3% |
| Admin fee / account holder | $10,922 | $19,424-43.8% | $12,729-14.2% | $13,400-18.5% |