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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 | $106,864-52.7% | $147,318-65.7% | $82,637-38.8% |
| Participation rate | 68.9% | 75.5%-6.6pp | 82.1%-13.2pp | 68.1%+0.8pp |
| Annual return | 15.34% | 27.49%-12.1pp | 70.43%-55.1pp | 53.51%-38.2pp |
| Employer contribution / active EE | $2,079 | $3,417-39.2% | $4,593-54.7% | $2,552-18.6% |
| Participant deferral / active EE | $5,358 | $6,496-17.5% | $7,906-32.2% | $4,126+29.9% |
| Admin fee / account holder | $1,313 | $8,415-84.4% | $13,708-90.4% | $7,339-82.1% |