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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 | $36,745 | $56,894-35.4% | $84,753-56.6% | $62,881-41.6% |
| Participation rate | 54.4% | 68.5%-14.1pp | 76.6%-22.1pp | 69.3%-14.9pp |
| Annual return | 12.41% | 6.30%+6.1pp | 22.78%-10.4pp | 20.14%-7.7pp |
| Employer contribution / active EE | $2,749 | $2,400+14.5% | $3,574-23.1% | $2,281+20.5% |
| Participant deferral / active EE | $1,908 | $2,709-29.6% | $3,712-48.6% | $3,203-40.4% |
| Admin fee / account holder | $1,570 | $3,581-56.2% | $5,333-70.6% | $4,296-63.5% |