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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 | $46,778 | $93,598-50.0% | $135,974-65.6% | $75,173-37.8% |
| Participation rate | 52.6% | 75.2%-22.6pp | 81.9%-29.3pp | 67.2%-14.6pp |
| Annual return | 20.66% | 30.89%-10.2pp | 68.30%-47.6pp | 160.72%-140.1pp |
| Employer contribution / active EE | $3,595 | $3,538+1.6% | $4,859-26.0% | $2,671+34.6% |
| Participant deferral / active EE | $7,393 | $6,405+15.4% | $7,760-4.7% | $4,126+79.2% |
| Admin fee / account holder | $962 | $6,978-86.2% | $10,767-91.1% | $5,651-83.0% |