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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 | $65,455 | $86,050-23.9% | $189,758-65.5% | $94,015-30.4% |
| Participation rate | 65.7% | 68.9%-3.2pp | 79.8%-14.1pp | 70.8%-5.1pp |
| Annual return | 18.05% | 17.77%+0.3pp | 52.62%-34.6pp | 17.84%+0.2pp |
| Employer contribution / active EE | $2,043 | $2,819-27.5% | $4,767-57.1% | $2,790-26.8% |
| Participant deferral / active EE | $4,016 | $3,349+19.9% | $5,856-31.4% | $4,249-5.5% |
| Admin fee / account holder | $444 | $6,627-93.3% | $20,388-97.8% | $8,951-95.0% |