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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 | $87,744 | $124,980-29.8% | $108,359-19.0% | $154,746-43.3% |
| Participation rate | 63.6% | 75.2%-11.5pp | 70.1%-6.5pp | 80.7%-17.1pp |
| Annual return | 18.92% | 45.00%-26.1pp | 36.89%-18.0pp | 172.34%-153.4pp |
| Employer contribution / active EE | $1,918 | $2,851-32.7% | $2,399-20.1% | $4,379-56.2% |
| Participant deferral / active EE | $4,777 | $4,743+0.7% | $4,137+15.5% | $6,730-29.0% |
| Admin fee / account holder | $1,099 | $11,502-90.4% | $9,741-88.7% | $14,365-92.3% |