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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 | $63,145 | $67,602-6.6% | $82,312-23.3% | $70,126-10.0% |
| Participation rate | 67.4% | 72.8%-5.4pp | 76.9%-9.5pp | 69.5%-2.1pp |
| Annual return | 18.97% | 21.57%-2.6pp | 25.88%-6.9pp | 73.15%-54.2pp |
| Employer contribution / active EE | $1,426 | $1,755-18.7% | $2,428-41.3% | $2,343-39.1% |
| Participant deferral / active EE | $3,303 | $2,987+10.6% | $3,706-10.9% | $3,332-0.9% |
| Admin fee / account holder | $1,953 | $4,512-56.7% | $5,608-65.2% | $4,645-58.0% |