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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 | $54,158 | $81,446-33.5% | $103,374-47.6% | $80,874-33.0% |
| Participation rate | 68.2% | 66.9%+1.3pp | 74.5%-6.3pp | 67.6%+0.5pp |
| Annual return | 14.66% | 25.57%-10.9pp | 24.89%-10.2pp | 35.62%-21.0pp |
| Employer contribution / active EE | $1,625 | $3,107-47.7% | $3,869-58.0% | $2,756-41.0% |
| Participant deferral / active EE | $5,627 | $3,870+45.4% | $5,058+11.2% | $4,297+30.9% |
| Admin fee / account holder | $716 | $6,715-89.3% | $8,394-91.5% | $6,935-89.7% |