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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 | $59,342 | $124,330-52.3% | $109,173-45.6% | $167,536-64.6% |
| Participation rate | 57.1% | 79.5%-22.3pp | 75.9%-18.7pp | 82.1%-25.0pp |
| Annual return | 26.72% | 26.04%+0.7pp | 25.75%+1.0pp | 478.82%-452.1pp |
| Employer contribution / active EE | $966 | $4,209-77.0% | $3,723-74.0% | $4,839-80.0% |
| Participant deferral / active EE | $8,228 | $5,256+56.5% | $4,654+76.8% | $6,342+29.7% |
| Admin fee / account holder | $2,684 | $7,974-66.3% | $6,755-60.3% | $12,315-78.2% |