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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 | $58,325 | $143,969-59.5% | $199,883-70.8% | $82,637-29.4% |
| Participation rate | 50.0% | 84.1%-34.1pp | 86.8%-36.8pp | 68.1%-18.1pp |
| Annual return | 25.31% | 25.67%-0.4pp | 43.81%-18.5pp | 53.51%-28.2pp |
| Employer contribution / active EE | $2,724 | $4,632-41.2% | $6,261-56.5% | $2,552+6.7% |
| Participant deferral / active EE | $4,509 | $6,937-35.0% | $9,138-50.7% | $4,126+9.3% |
| Admin fee / account holder | $2,793 | $14,597-80.9% | $17,268-83.8% | $7,339-61.9% |