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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 | $50,761 | $67,894-25.2% | $89,340-43.2% | $82,448-38.4% |
| Participation rate | 58.8% | 64.0%-5.2pp | 69.6%-10.7pp | 68.1%-9.2pp |
| Annual return | 18.57% | 19.21%-0.6pp | 20.57%-2.0pp | 41.64%-23.1pp |
| Employer contribution / active EE | $1,111 | $1,828-39.2% | $2,231-50.2% | $2,551-56.4% |
| Participant deferral / active EE | $2,891 | $3,072-5.9% | $3,823-24.4% | $4,139-30.2% |
| Admin fee / account holder | $649 | $5,723-88.7% | $6,704-90.3% | $7,234-91.0% |