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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 | $52,334 | $77,523-32.5% | $100,383-47.9% | $80,874-35.3% |
| Participation rate | 52.8% | 77.0%-24.1pp | 81.5%-28.7pp | 67.6%-14.8pp |
| Annual return | 29.03% | 37.21%-8.2pp | 49.26%-20.2pp | 35.62%-6.6pp |
| Employer contribution / active EE | $2,428 | $2,801-13.3% | $3,944-38.4% | $2,756-11.9% |
| Participant deferral / active EE | $3,638 | $6,822-46.7% | $8,086-55.0% | $4,297-15.3% |
| Admin fee / account holder | $1,364 | $5,899-76.9% | $7,900-82.7% | $6,935-80.3% |