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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 | $71,353-61.1% | $92,805-70.1% | $86,983-68.1% |
| Participation rate | 63.5% | 80.9%-17.4pp | 83.5%-20.0pp | 69.5%-6.0pp |
| Annual return | 24.02% | 44.68%-20.7pp | 31.59%-7.6pp | 25.83%-1.8pp |
| Employer contribution / active EE | $2,550 | $2,468+3.3% | $3,424-25.5% | $2,584-1.3% |
| Participant deferral / active EE | $4,548 | $6,966-34.7% | $8,448-46.2% | $4,194+8.4% |
| Admin fee / account holder | $495 | $6,099-91.9% | $10,911-95.5% | $7,856-93.7% |