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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 | $73,148 | $77,962-6.2% | $178,540-59.0% | $80,935-9.6% |
| Participation rate | 60.5% | 65.7%-5.2pp | 77.1%-16.6pp | 67.7%-7.2pp |
| Annual return | 23.78% | 18.10%+5.7pp | 27.15%-3.4pp | 35.66%-11.9pp |
| Employer contribution / active EE | $2,241 | $2,280-1.7% | $3,953-43.3% | $2,757-18.7% |
| Participant deferral / active EE | $5,194 | $4,404+17.9% | $6,281-17.3% | $4,299+20.8% |
| Admin fee / account holder | $4,681 | $7,156-34.6% | $10,424-55.1% | $6,924-32.4% |