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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 | $52,898 | $76,371-30.7% | $93,621-43.5% | $72,976-27.5% |
| Participation rate | 65.6% | 71.8%-6.2pp | 75.8%-10.2pp | 69.5%-3.9pp |
| Annual return | 23.67% | 25.82%-2.2pp | 32.76%-9.1pp | 81.02%-57.3pp |
| Employer contribution / active EE | $2,163 | $2,276-4.9% | $2,719-20.4% | $2,440-11.3% |
| Participant deferral / active EE | $4,422 | $3,538+25.0% | $4,070+8.7% | $3,608+22.6% |
| Admin fee / account holder | $4,091 | $6,839-40.2% | $7,890-48.1% | $5,124-20.2% |