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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 | $61,194 | $81,504-24.9% | $102,437-40.3% | $80,959-24.4% |
| Participation rate | 58.0% | 66.9%-8.9pp | 74.5%-16.6pp | 67.7%-9.7pp |
| Annual return | 26.51% | 25.60%+0.9pp | 24.95%+1.6pp | 35.67%-9.2pp |
| Employer contribution / active EE | $3,837 | $3,104+23.6% | $3,871-0.9% | $2,757+39.2% |
| Participant deferral / active EE | $7,409 | $3,871+91.4% | $5,060+46.4% | $4,300+72.3% |
| Admin fee / account holder | $2,980 | $6,719-55.6% | $8,388-64.5% | $6,925-57.0% |