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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 | $30,017 | $79,449-62.2% | $189,558-84.2% | $85,856-65.0% |
| Participation rate | 53.0% | 66.0%-13.0pp | 78.5%-25.4pp | 69.3%-16.3pp |
| Annual return | 27.08% | 18.45%+8.6pp | 64.19%-37.1pp | 318.58%-291.5pp |
| Employer contribution / active EE | $2,245 | $2,081+7.9% | $4,412-49.1% | $2,565-12.5% |
| Participant deferral / active EE | $6,894 | $4,051+70.2% | $6,174+11.7% | $3,952+74.4% |
| Admin fee / account holder | $1,758 | $5,377-67.3% | $9,809-82.1% | $6,261-71.9% |