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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 | $50,749 | $67,894-25.3% | $89,340-43.2% | $82,448-38.4% |
| Participation rate | 51.7% | 64.0%-12.3pp | 69.6%-17.8pp | 68.1%-16.3pp |
| Annual return | 18.59% | 19.21%-0.6pp | 20.57%-2.0pp | 41.64%-23.0pp |
| Employer contribution / active EE | $3,125 | $1,828+71.0% | $2,231+40.1% | $2,551+22.5% |
| Participant deferral / active EE | $3,332 | $3,072+8.5% | $3,823-12.8% | $4,139-19.5% |
| Admin fee / account holder | $304 | $5,723-94.7% | $6,704-95.5% | $7,234-95.8% |