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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 | $27,781 | $78,197-64.5% | $98,090-71.7% | $82,637-66.4% |
| Participation rate | 63.5% | 77.5%-14.0pp | 81.5%-18.1pp | 68.1%-4.6pp |
| Annual return | 24.02% | 40.25%-16.2pp | 37.05%-13.0pp | 53.51%-29.5pp |
| Employer contribution / active EE | $2,550 | $2,605-2.1% | $3,606-29.3% | $2,552-0.1% |
| Participant deferral / active EE | $4,548 | $6,636-31.5% | $7,845-42.0% | $4,126+10.2% |
| Admin fee / account holder | $495 | $14,832-96.7% | $11,815-95.8% | $7,339-93.3% |