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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 | $25,297 | $75,963-66.7% | $97,995-74.2% | $70,126-63.9% |
| Participation rate | 55.8% | 77.0%-21.2pp | 82.4%-26.6pp | 69.5%-13.8pp |
| Annual return | 20.50% | 19.26%+1.2pp | 23.94%-3.4pp | 73.15%-52.6pp |
| Employer contribution / active EE | $2,276 | $3,278-30.6% | $4,158-45.3% | $2,343-2.9% |
| Participant deferral / active EE | $5,445 | $4,053+34.3% | $5,097+6.8% | $3,332+63.4% |
| Admin fee / account holder | $2,459 | $5,407-54.5% | $5,943-58.6% | $4,645-47.1% |