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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 | $49,027 | $72,272-32.2% | $101,264-51.6% | $79,858-38.6% |
| Participation rate | 52.4% | 68.5%-16.1pp | 75.8%-23.4pp | 69.6%-17.3pp |
| Annual return | 15.30% | 22.30%-7.0pp | 46.48%-31.2pp | 31.72%-16.4pp |
| Employer contribution / active EE | $1,736 | $2,692-35.5% | $3,660-52.6% | $2,471-29.7% |
| Participant deferral / active EE | $3,922 | $3,282+19.5% | $4,370-10.3% | $3,740+4.9% |
| Admin fee / account holder | $6,070 | $4,401+37.9% | $5,947+2.1% | $5,306+14.4% |