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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 | $59,870 | $86,938-31.1% | $102,423-41.5% | $80,925-26.0% |
| Participation rate | 66.3% | 72.4%-6.1pp | 76.5%-10.2pp | 67.7%-1.4pp |
| Annual return | 14.40% | 18.89%-4.5pp | 29.42%-15.0pp | 35.65%-21.3pp |
| Employer contribution / active EE | $995 | $2,369-58.0% | $3,023-67.1% | $2,756-63.9% |
| Participant deferral / active EE | $2,991 | $4,120-27.4% | $5,054-40.8% | $4,299-30.4% |
| Admin fee / account holder | $2,481 | $8,053-69.2% | $9,455-73.8% | $6,940-64.3% |