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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 | $50,414 | $99,345-49.3% | $84,753-40.5% | $273,972-81.6% |
| Participation rate | 65.0% | 80.7%-15.7pp | 76.6%-11.6pp | 83.0%-18.0pp |
| Annual return | 4.80% | 22.93%-18.1pp | 22.78%-18.0pp | 41.46%-36.7pp |
| Employer contribution / active EE | $2,473 | $4,214-41.3% | $3,574-30.8% | $4,869-49.2% |
| Participant deferral / active EE | $5,396 | $4,270+26.4% | $3,712+45.4% | $5,287+2.1% |
| Admin fee / account holder | $333 | $6,645-95.0% | $5,333-93.7% | $10,133-96.7% |