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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 | $55,956 | $110,137-49.2% | $161,149-65.3% | $82,637-32.3% |
| Participation rate | 65.1% | 72.4%-7.2pp | 78.8%-13.7pp | 68.1%-2.9pp |
| Annual return | 18.61% | 20.69%-2.1pp | 21.16%-2.5pp | 53.51%-34.9pp |
| Employer contribution / active EE | $2,080 | $2,856-27.2% | $4,360-52.3% | $2,552-18.5% |
| Participant deferral / active EE | $3,070 | $4,575-32.9% | $6,153-50.1% | $4,126-25.6% |
| Admin fee / account holder | $805 | $9,467-91.5% | $15,194-94.7% | $7,339-89.0% |