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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 | $73,621 | $77,574-5.1% | $108,753-32.3% | $86,983-15.4% |
| Participation rate | 50.0% | 62.3%-12.3pp | 71.1%-21.1pp | 69.5%-19.5pp |
| Annual return | 17.05% | 18.42%-1.4pp | 37.47%-20.4pp | 25.83%-8.8pp |
| Employer contribution / active EE | $1,441 | $1,611-10.5% | $2,427-40.6% | $2,584-44.3% |
| Participant deferral / active EE | $4,146 | $3,128+32.5% | $4,115+0.8% | $4,194-1.1% |
| Admin fee / account holder | $5,844 | $6,529-10.5% | $10,320-43.4% | $7,856-25.6% |