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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 | $54,937 | $93,598-41.3% | $135,974-59.6% | $75,173-26.9% |
| Participation rate | 62.7% | 75.2%-12.4pp | 81.9%-19.2pp | 67.2%-4.5pp |
| Annual return | 21.80% | 30.89%-9.1pp | 68.30%-46.5pp | 160.72%-138.9pp |
| Employer contribution / active EE | $912 | $3,538-74.2% | $4,859-81.2% | $2,671-65.8% |
| Participant deferral / active EE | $7,922 | $6,405+23.7% | $7,760+2.1% | $4,126+92.0% |
| Admin fee / account holder | $996 | $6,978-85.7% | $10,767-90.8% | $5,651-82.4% |