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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 | $50,977 | $86,949-41.4% | $102,460-50.2% | $80,959-37.0% |
| Participation rate | 63.9% | 72.4%-8.5pp | 76.5%-12.6pp | 67.7%-3.8pp |
| Annual return | 12.58% | 18.89%-6.3pp | 29.47%-16.9pp | 35.67%-23.1pp |
| Employer contribution / active EE | $2,361 | $2,370-0.4% | $3,025-21.9% | $2,757-14.4% |
| Participant deferral / active EE | $5,409 | $4,121+31.3% | $5,056+7.0% | $4,300+25.8% |
| Admin fee / account holder | $26,154 | $8,048+225.0% | $9,460+176.5% | $6,925+277.6% |