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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 | $51,224 | $35,183+45.6% | $73,550-30.4% | $70,126-27.0% |
| Participation rate | 46.7% | 42.9%+3.7pp | 54.9%-8.3pp | 69.5%-22.9pp |
| Annual return | 14.46% | 26.90%-12.4pp | -15.16%+29.6pp | 73.15%-58.7pp |
| Employer contribution / active EE | $1,091 | $709+53.9% | $1,219-10.5% | $2,343-53.4% |
| Participant deferral / active EE | $4,111 | $1,220+237.0% | $1,804+127.8% | $3,332+23.4% |
| Admin fee / account holder | $445 | $2,302-80.7% | $2,320-80.8% | $4,645-90.4% |