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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 | $53,235 | $80,983-34.3% | $96,544-44.9% | $75,177-29.2% |
| Participation rate | 45.8% | 71.8%-26.0pp | 76.0%-30.2pp | 67.2%-21.4pp |
| Annual return | 22.42% | 27.05%-4.6pp | 25.88%-3.5pp | 160.75%-138.3pp |
| Employer contribution / active EE | $2,488 | $2,282+9.0% | $2,966-16.1% | $2,671-6.8% |
| Participant deferral / active EE | $4,975 | $3,929+26.6% | $4,851+2.6% | $4,126+20.6% |
| Admin fee / account holder | $2,440 | $6,717-63.7% | $8,254-70.4% | $5,651-56.8% |