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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 | $54,013 | $70,486-23.4% | $100,528-46.3% | $79,852-32.4% |
| Participation rate | 58.7% | 73.6%-14.9pp | 79.4%-20.7pp | 69.6%-10.9pp |
| Annual return | 17.57% | 21.90%-4.3pp | 30.90%-13.3pp | 31.72%-14.1pp |
| Employer contribution / active EE | $2,569 | $2,165+18.7% | $3,419-24.9% | $2,471+4.0% |
| Participant deferral / active EE | $7,115 | $5,182+37.3% | $6,271+13.4% | $3,740+90.2% |
| Admin fee / account holder | $7,782 | $4,480+73.7% | $8,084-3.7% | $5,306+46.7% |