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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 | $50,599 | $106,749-52.6% | $145,433-65.2% | $82,448-38.6% |
| Participation rate | 68.9% | 75.6%-6.8pp | 82.1%-13.2pp | 68.1%+0.8pp |
| Annual return | 15.34% | 27.59%-12.2pp | 66.58%-51.2pp | 41.64%-26.3pp |
| Employer contribution / active EE | $2,079 | $3,444-39.7% | $4,554-54.4% | $2,551-18.5% |
| Participant deferral / active EE | $5,358 | $6,519-17.8% | $7,897-32.2% | $4,139+29.4% |
| Admin fee / account holder | $1,313 | $8,390-84.4% | $13,129-90.0% | $7,234-81.9% |