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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 | $36,506 | $97,550-62.6% | $120,344-69.7% | $87,485-58.3% |
| Participation rate | 62.2% | 72.8%-10.7pp | 76.7%-14.5pp | 68.9%-6.8pp |
| Annual return | 20.45% | 18.41%+2.0pp | 20.30%+0.2pp | 26.06%-5.6pp |
| Employer contribution / active EE | $2,180 | $2,291-4.8% | $3,020-27.8% | $2,596-16.0% |
| Participant deferral / active EE | $3,150 | $4,230-25.5% | $5,135-38.7% | $4,274-26.3% |
| Admin fee / account holder | $757 | $9,543-92.1% | $12,742-94.1% | $7,775-90.3% |