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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 | $50,344 | $73,988-32.0% | $96,538-47.9% | $75,177-33.0% |
| Participation rate | 69.2% | 66.4%+2.8pp | 74.3%-5.1pp | 67.2%+2.0pp |
| Annual return | 16.78% | 26.73%-9.9pp | 35.74%-19.0pp | 160.75%-144.0pp |
| Employer contribution / active EE | $2,903 | $2,930-0.9% | $3,740-22.4% | $2,671+8.7% |
| Participant deferral / active EE | $5,033 | $3,660+37.5% | $4,880+3.1% | $4,126+22.0% |
| Admin fee / account holder | $1,276 | $5,220-75.5% | $6,737-81.1% | $5,651-77.4% |