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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 | $49,213 | $76,407-35.6% | $150,298-67.3% | $82,448-40.3% |
| Participation rate | 67.2% | 66.4%+0.8pp | 77.8%-10.6pp | 68.1%-0.9pp |
| Annual return | 20.80% | 39.99%-19.2pp | 62.79%-42.0pp | 41.64%-20.8pp |
| Employer contribution / active EE | $2,071 | $2,614-20.8% | $4,154-50.2% | $2,551-18.8% |
| Participant deferral / active EE | $2,222 | $3,214-30.9% | $5,453-59.2% | $4,139-46.3% |
| Admin fee / account holder | $1,557 | $6,352-75.5% | $14,116-89.0% | $7,234-78.5% |