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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 | $52,070 | $58,493-11.0% | $84,021-38.0% | $72,975-28.6% |
| Participation rate | 53.6% | 61.2%-7.6pp | 69.0%-15.4pp | 69.5%-15.9pp |
| Annual return | 19.37% | 28.93%-9.6pp | 71.32%-51.9pp | 81.01%-61.6pp |
| Employer contribution / active EE | $1,287 | $1,163+10.7% | $1,984-35.1% | $2,440-47.3% |
| Participant deferral / active EE | $2,811 | $2,394+17.4% | $3,239-13.2% | $3,608-22.1% |
| Admin fee / account holder | $4,133 | $4,569-9.5% | $6,102-32.3% | $5,124-19.3% |