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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 | $39,529 | $72,273-45.3% | $101,275-61.0% | $79,856-50.5% |
| Participation rate | 67.9% | 68.5%-0.6pp | 75.8%-8.0pp | 69.6%-1.8pp |
| Annual return | 17.19% | 22.30%-5.1pp | 46.48%-29.3pp | 31.71%-14.5pp |
| Employer contribution / active EE | $2,136 | $2,691-20.6% | $3,660-41.6% | $2,471-13.6% |
| Participant deferral / active EE | $3,818 | $3,282+16.4% | $4,371-12.6% | $3,741+2.1% |
| Admin fee / account holder | $391 | $4,401-91.1% | $5,948-93.4% | $5,306-92.6% |