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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 | $79,956 | $76,551+4.4% | $123,894-35.5% | $62,881+27.2% |
| Participation rate | 46.7% | 73.0%-26.3pp | 81.4%-34.7pp | 69.3%-22.6pp |
| Annual return | 7.00% | 18.68%-11.7pp | 47.52%-40.5pp | 20.14%-13.1pp |
| Employer contribution / active EE | $3,008 | $2,882+4.4% | $4,617-34.9% | $2,281+31.9% |
| Participant deferral / active EE | $2,702 | $4,840-44.2% | $5,984-54.8% | $3,203-15.6% |
| Admin fee / account holder | $1,536 | $4,826-68.2% | $8,357-81.6% | $4,296-64.2% |