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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 | $123,478-58.5% | $216,567-76.3% | $94,015-45.5% |
| Participation rate | 47.5% | 75.1%-27.6pp | 81.6%-34.1pp | 70.8%-23.3pp |
| Annual return | 16.98% | 23.61%-6.6pp | 12.94%+4.0pp | 17.84%-0.9pp |
| Employer contribution / active EE | $2,388 | $3,136-23.8% | $5,216-54.2% | $2,790-14.4% |
| Participant deferral / active EE | $5,191 | $4,556+13.9% | $6,191-16.1% | $4,249+22.2% |
| Admin fee / account holder | $722 | $12,753-94.3% | $21,981-96.7% | $8,951-91.9% |