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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 | $28,152 | $78,015-63.9% | $178,505-84.2% | $80,959-65.2% |
| Participation rate | 64.5% | 65.7%-1.2pp | 77.1%-12.6pp | 67.7%-3.2pp |
| Annual return | 14.63% | 18.10%-3.5pp | 27.16%-12.5pp | 35.67%-21.0pp |
| Employer contribution / active EE | $2,409 | $2,281+5.6% | $3,955-39.1% | $2,757-12.6% |
| Participant deferral / active EE | $3,820 | $4,406-13.3% | $6,280-39.2% | $4,300-11.2% |
| Admin fee / account holder | $477 | $7,160-93.3% | $10,428-95.4% | $6,925-93.1% |