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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 | $53,797 | $86,940-38.1% | $102,434-47.5% | $80,935-33.5% |
| Participation rate | 63.5% | 72.4%-8.9pp | 76.5%-13.0pp | 67.7%-4.2pp |
| Annual return | 16.13% | 18.89%-2.8pp | 29.46%-13.3pp | 35.66%-19.5pp |
| Employer contribution / active EE | $2,445 | $2,370+3.2% | $3,023-19.1% | $2,757-11.3% |
| Participant deferral / active EE | $5,210 | $4,121+26.4% | $5,055+3.1% | $4,299+21.2% |
| Admin fee / account holder | $3,633 | $8,047-54.8% | $9,462-61.6% | $6,924-47.5% |