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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 | $51,544 | $77,896-33.8% | $134,172-61.6% | $82,448-37.5% |
| Participation rate | 58.0% | 62.8%-4.8pp | 72.5%-14.5pp | 68.1%-10.1pp |
| Annual return | 16.80% | 18.21%-1.4pp | 25.30%-8.5pp | 41.64%-24.8pp |
| Employer contribution / active EE | $2,355 | $2,159+9.1% | $3,420-31.1% | $2,551-7.7% |
| Participant deferral / active EE | $3,596 | $3,162+13.7% | $4,690-23.3% | $4,139-13.1% |
| Admin fee / account holder | $9,011 | $6,336+42.2% | $12,016-25.0% | $7,234+24.6% |