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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 | $53,986 | $81,358-33.6% | $155,556-65.3% | $80,959-33.3% |
| Participation rate | 69.0% | 66.3%+2.7pp | 78.2%-9.3pp | 67.7%+1.3pp |
| Annual return | 17.98% | 33.39%-15.4pp | 64.84%-46.9pp | 35.67%-17.7pp |
| Employer contribution / active EE | $1,529 | $3,106-50.8% | $4,675-67.3% | $2,757-44.6% |
| Participant deferral / active EE | $6,269 | $3,455+81.4% | $5,631+11.3% | $4,300+45.8% |
| Admin fee / account holder | $5,452 | $7,994-31.8% | $15,885-65.7% | $6,925-21.3% |