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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 | $53,615 | $78,682-31.9% | $109,188-50.9% | $85,851-37.5% |
| Participation rate | 63.3% | 68.3%-4.9pp | 75.9%-12.5pp | 69.3%-6.0pp |
| Annual return | 15.08% | 25.09%-10.0pp | 25.76%-10.7pp | 318.63%-303.6pp |
| Employer contribution / active EE | $2,034 | $2,734-25.6% | $3,723-45.4% | $2,565-20.7% |
| Participant deferral / active EE | $3,654 | $3,468+5.4% | $4,654-21.5% | $3,952-7.5% |
| Admin fee / account holder | $596 | $5,470-89.1% | $6,755-91.2% | $6,261-90.5% |