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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 | $54,096 | $63,845-15.3% | $81,370-33.5% | $80,959-33.2% |
| Participation rate | 58.9% | 63.9%-5.0pp | 69.5%-10.6pp | 67.7%-8.7pp |
| Annual return | 13.51% | 16.37%-2.9pp | 24.85%-11.3pp | 35.67%-22.2pp |
| Employer contribution / active EE | $724 | $1,980-63.4% | $2,464-70.6% | $2,757-73.7% |
| Participant deferral / active EE | $2,219 | $3,093-28.3% | $3,885-42.9% | $4,300-48.4% |
| Admin fee / account holder | $312 | $5,688-94.5% | $5,749-94.6% | $6,925-95.5% |