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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 | $40,312 | $65,034-38.0% | $90,970-55.7% | $79,856-49.5% |
| Participation rate | 53.3% | 61.6%-8.3pp | 69.0%-15.7pp | 69.6%-16.3pp |
| Annual return | 15.08% | 30.45%-15.4pp | 134.60%-119.5pp | 31.71%-16.6pp |
| Employer contribution / active EE | $775 | $1,247-37.9% | $2,122-63.5% | $2,471-68.6% |
| Participant deferral / active EE | $2,891 | $2,512+15.1% | $3,373-14.3% | $3,741-22.7% |
| Admin fee / account holder | $4,814 | $4,536+6.1% | $5,961-19.2% | $5,306-9.3% |