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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 | $51,281 | $114,712-55.3% | $173,730-70.5% | $87,485-41.4% |
| Participation rate | 47.5% | 73.0%-25.5pp | 79.6%-32.1pp | 68.9%-21.4pp |
| Annual return | 16.98% | 20.18%-3.2pp | 19.96%-3.0pp | 26.06%-9.1pp |
| Employer contribution / active EE | $2,388 | $2,904-17.8% | $4,577-47.8% | $2,596-8.0% |
| Participant deferral / active EE | $5,191 | $4,642+11.8% | $6,326-17.9% | $4,274+21.5% |
| Admin fee / account holder | $722 | $10,210-92.9% | $17,523-95.9% | $7,775-90.7% |