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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 | $61,789 | $108,825-43.2% | $156,181-60.4% | $82,448-25.1% |
| Participation rate | 69.6% | 72.4%-2.7pp | 78.8%-9.2pp | 68.1%+1.6pp |
| Annual return | 20.04% | 20.59%-0.6pp | 64.87%-44.8pp | 41.64%-21.6pp |
| Employer contribution / active EE | $2,468 | $2,870-14.0% | $4,294-42.5% | $2,551-3.3% |
| Participant deferral / active EE | $5,417 | $4,577+18.4% | $6,132-11.7% | $4,139+30.9% |
| Admin fee / account holder | $818 | $9,341-91.2% | $14,586-94.4% | $7,234-88.7% |