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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 | $55,415 | $106,749-48.1% | $145,433-61.9% | $82,448-32.8% |
| Participation rate | 52.0% | 75.6%-23.6pp | 82.1%-30.1pp | 68.1%-16.1pp |
| Annual return | 25.02% | 27.59%-2.6pp | 66.58%-41.6pp | 41.64%-16.6pp |
| Employer contribution / active EE | $2,834 | $3,444-17.7% | $4,554-37.8% | $2,551+11.1% |
| Participant deferral / active EE | $8,176 | $6,519+25.4% | $7,897+3.5% | $4,139+97.5% |
| Admin fee / account holder | $2,199 | $8,390-73.8% | $13,129-83.3% | $7,234-69.6% |