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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 | $106,524-48.0% | $152,301-63.6% | $87,485-36.7% |
| Participation rate | 52.0% | 75.8%-23.8pp | 82.4%-30.4pp | 68.9%-16.9pp |
| Annual return | 25.02% | 26.89%-1.9pp | 80.50%-55.5pp | 26.06%-1.0pp |
| Employer contribution / active EE | $2,834 | $3,371-15.9% | $4,624-38.7% | $2,596+9.2% |
| Participant deferral / active EE | $8,176 | $6,525+25.3% | $8,004+2.1% | $4,274+91.3% |
| Admin fee / account holder | $2,199 | $8,287-73.5% | $14,398-84.7% | $7,775-71.7% |