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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 | $28,502 | $80,992-64.8% | $96,534-70.5% | $75,173-62.1% |
| Participation rate | 63.2% | 71.8%-8.6pp | 76.0%-12.8pp | 67.2%-4.0pp |
| Annual return | 23.58% | 27.05%-3.5pp | 25.88%-2.3pp | 160.72%-137.1pp |
| Employer contribution / active EE | $2,647 | $2,283+16.0% | $2,965-10.7% | $2,671-0.9% |
| Participant deferral / active EE | $4,586 | $3,929+16.7% | $4,851-5.5% | $4,126+11.1% |
| Admin fee / account holder | $2,704 | $6,717-59.7% | $8,253-67.2% | $5,651-52.1% |