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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 | $53,995 | $75,807-28.8% | $116,096-53.5% | $86,983-37.9% |
| Participation rate | 54.4% | 66.9%-12.5pp | 73.3%-18.9pp | 69.5%-15.2pp |
| Annual return | 19.32% | 18.57%+0.8pp | 326.25%-306.9pp | 25.83%-6.5pp |
| Employer contribution / active EE | $2,102 | $1,892+11.1% | $2,503-16.0% | $2,584-18.7% |
| Participant deferral / active EE | $3,164 | $3,212-1.5% | $3,952-19.9% | $4,194-24.5% |
| Admin fee / account holder | $5,567 | $6,659-16.4% | $7,704-27.7% | $7,856-29.1% |