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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 | $50,758 | $73,978-31.4% | $96,515-47.4% | $75,173-32.5% |
| Participation rate | 45.3% | 66.4%-21.1pp | 74.3%-29.0pp | 67.2%-21.9pp |
| Annual return | 21.29% | 26.72%-5.4pp | 35.73%-14.4pp | 160.72%-139.4pp |
| Employer contribution / active EE | $2,217 | $2,931-24.4% | $3,740-40.7% | $2,671-17.0% |
| Participant deferral / active EE | $4,746 | $3,660+29.7% | $4,880-2.7% | $4,126+15.0% |
| Admin fee / account holder | $2,059 | $5,219-60.5% | $6,735-69.4% | $5,651-63.6% |