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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 | $49,040 | $48,118+1.9% | $136,833-64.2% | $94,015-47.8% |
| Participation rate | 56.0% | 47.4%+8.6pp | 59.0%-3.0pp | 70.8%-14.8pp |
| Annual return | 17.56% | 14.65%+2.9pp | 35.32%-17.8pp | 17.84%-0.3pp |
| Employer contribution / active EE | $897 | $821+9.3% | $1,319-32.0% | $2,790-67.9% |
| Participant deferral / active EE | $3,891 | $1,651+135.7% | $2,441+59.4% | $4,249-8.4% |
| Admin fee / account holder | $641 | $3,059-79.1% | $4,706-86.4% | $8,951-92.8% |