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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 | $108,825-52.9% | $156,181-67.2% | $82,448-37.8% |
| Participation rate | 47.5% | 72.4%-24.9pp | 78.8%-31.3pp | 68.1%-20.6pp |
| Annual return | 16.98% | 20.59%-3.6pp | 64.87%-47.9pp | 41.64%-24.7pp |
| Employer contribution / active EE | $2,388 | $2,870-16.8% | $4,294-44.4% | $2,551-6.4% |
| Participant deferral / active EE | $5,191 | $4,577+13.4% | $6,132-15.3% | $4,139+25.4% |
| Admin fee / account holder | $722 | $9,341-92.3% | $14,586-95.0% | $7,234-90.0% |