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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 | $52,283 | $81,504-35.9% | $102,437-49.0% | $80,959-35.4% |
| Participation rate | 65.3% | 66.9%-1.5pp | 74.5%-9.2pp | 67.7%-2.4pp |
| Annual return | 15.40% | 25.60%-10.2pp | 24.95%-9.5pp | 35.67%-20.3pp |
| Employer contribution / active EE | $2,251 | $3,104-27.5% | $3,871-41.9% | $2,757-18.4% |
| Participant deferral / active EE | $5,081 | $3,871+31.3% | $5,060+0.4% | $4,300+18.2% |
| Admin fee / account holder | $3,298 | $6,719-50.9% | $8,388-60.7% | $6,925-52.4% |