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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 | $49,242 | $72,273-31.9% | $101,275-51.4% | $79,856-38.3% |
| Participation rate | 65.6% | 68.5%-2.8pp | 75.8%-10.2pp | 69.6%-4.0pp |
| Annual return | 11.92% | 22.30%-10.4pp | 46.48%-34.6pp | 31.71%-19.8pp |
| Employer contribution / active EE | $1,878 | $2,691-30.2% | $3,660-48.7% | $2,471-24.0% |
| Participant deferral / active EE | $3,092 | $3,282-5.8% | $4,371-29.2% | $3,741-17.3% |
| Admin fee / account holder | $3,464 | $4,401-21.3% | $5,948-41.8% | $5,306-34.7% |