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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 | $30,945 | $76,551-59.6% | $123,894-75.0% | $62,881-50.8% |
| Participation rate | 69.2% | 73.0%-3.8pp | 81.4%-12.2pp | 69.3%-0.1pp |
| Annual return | 26.80% | 18.68%+8.1pp | 47.52%-20.7pp | 20.14%+6.7pp |
| Employer contribution / active EE | $2,909 | $2,882+0.9% | $4,617-37.0% | $2,281+27.5% |
| Participant deferral / active EE | $7,120 | $4,840+47.1% | $5,984+19.0% | $3,203+122.3% |
| Admin fee / account holder | $1,323 | $4,826-72.6% | $8,357-84.2% | $4,296-69.2% |