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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 | $48,261 | $53,774-10.3% | $134,162-64.0% | $79,852-39.6% |
| Participation rate | 61.3% | 58.8%+2.5pp | 72.2%-10.9pp | 69.6%-8.4pp |
| Annual return | 13.46% | 19.01%-5.5pp | 36.35%-22.9pp | 31.72%-18.3pp |
| Employer contribution / active EE | $425 | $1,322-67.8% | $3,705-88.5% | $2,471-82.8% |
| Participant deferral / active EE | $2,762 | $2,420+14.2% | $3,500-21.1% | $3,740-26.2% |
| Admin fee / account holder | $5,106 | $3,985+28.1% | $6,685-23.6% | $5,306-3.8% |