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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 | $50,283 | $71,230-29.4% | $93,727-46.4% | $80,959-37.9% |
| Participation rate | 51.3% | 60.4%-9.1pp | 68.7%-17.4pp | 67.7%-16.4pp |
| Annual return | 21.36% | 11.26%+10.1pp | 133.83%-112.5pp | 35.67%-14.3pp |
| Employer contribution / active EE | $2,285 | $1,565+46.0% | $2,421-5.6% | $2,757-17.1% |
| Participant deferral / active EE | $4,775 | $4,037+18.3% | $4,417+8.1% | $4,300+11.0% |
| Admin fee / account holder | $421 | $6,961-93.9% | $8,292-94.9% | $6,925-93.9% |