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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 | $57,915 | $145,431-60.2% | $211,142-72.6% | $87,485-33.8% |
| Participation rate | 58.7% | 84.7%-26.1pp | 87.3%-28.6pp | 68.9%-10.2pp |
| Annual return | 28.64% | 27.21%+1.4pp | 46.84%-18.2pp | 26.06%+2.6pp |
| Employer contribution / active EE | $2,889 | $4,662-38.0% | $6,442-55.1% | $2,596+11.3% |
| Participant deferral / active EE | $7,970 | $6,859+16.2% | $9,284-14.2% | $4,274+86.5% |
| Admin fee / account holder | $754 | $17,052-95.6% | $19,076-96.0% | $7,775-90.3% |