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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 | $48,738 | $93,598-47.9% | $135,974-64.2% | $75,173-35.2% |
| Participation rate | 67.3% | 75.2%-7.8pp | 81.9%-14.6pp | 67.2%+0.1pp |
| Annual return | 20.29% | 30.89%-10.6pp | 68.30%-48.0pp | 160.72%-140.4pp |
| Employer contribution / active EE | $3,431 | $3,538-3.0% | $4,859-29.4% | $2,671+28.5% |
| Participant deferral / active EE | $6,798 | $6,405+6.1% | $7,760-12.4% | $4,126+64.7% |
| Admin fee / account holder | $1,479 | $6,978-78.8% | $10,767-86.3% | $5,651-73.8% |