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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 | $52,366 | $72,492-27.8% | $87,104-39.9% | $72,975-28.2% |
| Participation rate | 65.7% | 72.8%-7.1pp | 76.9%-11.2pp | 69.5%-3.8pp |
| Annual return | 21.91% | 24.46%-2.5pp | 28.19%-6.3pp | 81.01%-59.1pp |
| Employer contribution / active EE | $3,094 | $1,894+63.4% | $2,521+22.7% | $2,440+26.8% |
| Participant deferral / active EE | $1,634 | $3,270-50.0% | $4,048-59.6% | $3,608-54.7% |
| Admin fee / account holder | $7,333 | $5,055+45.1% | $7,491-2.1% | $5,124+43.1% |