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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 | $68,154 | $77,492-12.0% | $100,398-32.1% | $80,911-15.8% |
| Participation rate | 56.3% | 76.9%-20.7pp | 81.5%-25.3pp | 67.6%-11.4pp |
| Annual return | 41.69% | 37.23%+4.5pp | 49.32%-7.6pp | 35.63%+6.1pp |
| Employer contribution / active EE | $2,421 | $2,800-13.5% | $3,946-38.6% | $2,756-12.1% |
| Participant deferral / active EE | $5,448 | $6,817-20.1% | $8,084-32.6% | $4,297+26.8% |
| Admin fee / account holder | $2,712 | $5,892-54.0% | $7,893-65.6% | $6,935-60.9% |