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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 | $47,977 | $138,393-65.3% | $184,256-74.0% | $80,959-40.7% |
| Participation rate | 69.2% | 83.9%-14.7pp | 86.8%-17.6pp | 67.7%+1.6pp |
| Annual return | 15.72% | 20.01%-4.3pp | 28.85%-13.1pp | 35.67%-19.9pp |
| Employer contribution / active EE | $2,332 | $4,847-51.9% | $6,427-63.7% | $2,757-15.4% |
| Participant deferral / active EE | $6,703 | $7,076-5.3% | $9,133-26.6% | $4,300+55.9% |
| Admin fee / account holder | $539 | $10,489-94.9% | $13,899-96.1% | $6,925-92.2% |