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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 | $71,140 | $80,983-12.2% | $96,544-26.3% | $75,177-5.4% |
| Participation rate | 63.8% | 71.8%-8.0pp | 76.0%-12.2pp | 67.2%-3.4pp |
| Annual return | 13.24% | 27.05%-13.8pp | 25.88%-12.6pp | 160.75%-147.5pp |
| Employer contribution / active EE | $2,259 | $2,282-1.0% | $2,966-23.8% | $2,671-15.4% |
| Participant deferral / active EE | $3,853 | $3,929-1.9% | $4,851-20.6% | $4,126-6.6% |
| Admin fee / account holder | $8,680 | $6,717+29.2% | $8,254+5.2% | $5,651+53.6% |