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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 | $31,589 | $86,938-63.7% | $102,423-69.2% | $80,925-61.0% |
| Participation rate | 53.5% | 72.4%-18.9pp | 76.5%-23.0pp | 67.7%-14.2pp |
| Annual return | 13.89% | 18.89%-5.0pp | 29.42%-15.5pp | 35.65%-21.8pp |
| Employer contribution / active EE | $2,104 | $2,369-11.2% | $3,023-30.4% | $2,756-23.6% |
| Participant deferral / active EE | $5,188 | $4,120+25.9% | $5,054+2.7% | $4,299+20.7% |
| Admin fee / account holder | $730 | $8,053-90.9% | $9,455-92.3% | $6,940-89.5% |