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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 | $146,267-60.4% | $197,124-70.6% | $82,448-29.8% |
| Participation rate | 58.7% | 84.0%-25.3pp | 86.7%-28.0pp | 68.1%-9.4pp |
| Annual return | 28.64% | 29.61%-1.0pp | 44.34%-15.7pp | 41.64%-13.0pp |
| Employer contribution / active EE | $2,889 | $4,723-38.8% | $6,227-53.6% | $2,551+13.3% |
| Participant deferral / active EE | $7,970 | $7,035+13.3% | $9,135-12.7% | $4,139+92.6% |
| Admin fee / account holder | $754 | $14,422-94.8% | $16,298-95.4% | $7,234-89.6% |