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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 | $86,949-63.7% | $102,460-69.2% | $80,959-61.0% |
| Participation rate | 53.5% | 72.4%-18.9pp | 76.5%-23.0pp | 67.7%-14.2pp |
| Annual return | 13.89% | 18.89%-5.0pp | 29.47%-15.6pp | 35.67%-21.8pp |
| Employer contribution / active EE | $2,104 | $2,370-11.2% | $3,025-30.4% | $2,757-23.7% |
| Participant deferral / active EE | $5,188 | $4,121+25.9% | $5,056+2.6% | $4,300+20.6% |
| Admin fee / account holder | $730 | $8,048-90.9% | $9,460-92.3% | $6,925-89.5% |