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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 | $53,887 | $45,079+19.5% | $69,461-22.4% | $72,983-26.2% |
| Participation rate | 69.6% | 68.5%+1.1pp | 74.6%-5.0pp | 69.5%+0.1pp |
| Annual return | 5.93% | 22.65%-16.7pp | 28.97%-23.0pp | 81.01%-75.1pp |
| Employer contribution / active EE | $939 | $2,055-54.3% | $2,779-66.2% | $2,440-61.5% |
| Participant deferral / active EE | $1,963 | $2,603-24.6% | $3,536-44.5% | $3,608-45.6% |
| Admin fee / account holder | $584 | $3,056-80.9% | $3,840-84.8% | $5,124-88.6% |