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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 | $49,174 | $43,496+13.1% | $161,489-69.5% | $64,340-23.6% |
| Participation rate | 63.7% | 53.5%+10.2pp | 78.7%-15.0pp | 55.2%+8.5pp |
| Annual return | 15.89% | 20.76%-4.9pp | 89.72%-73.8pp | 24.14%-8.3pp |
| Employer contribution / active EE | $879 | $1,431-38.6% | $4,268-79.4% | $1,862-52.8% |
| Participant deferral / active EE | $2,132 | $1,996+6.8% | $5,630-62.1% | $2,980-28.5% |
| Admin fee / account holder | $8,208 | $2,330+252.2% | $16,006-48.7% | $3,703+121.7% |