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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 | $51,311 | $72,269-29.0% | $101,271-49.3% | $79,852-35.7% |
| Participation rate | 63.0% | 68.5%-5.5pp | 75.8%-12.8pp | 69.6%-6.7pp |
| Annual return | 13.25% | 22.29%-9.0pp | 46.48%-33.2pp | 31.72%-18.5pp |
| Employer contribution / active EE | $640 | $2,692-76.2% | $3,660-82.5% | $2,471-74.1% |
| Participant deferral / active EE | $2,736 | $3,282-16.6% | $4,371-37.4% | $3,740-26.8% |
| Admin fee / account holder | $7,390 | $4,401+67.9% | $5,948+24.2% | $5,306+39.3% |