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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 | $47,373 | $93,598-49.4% | $135,974-65.2% | $75,173-37.0% |
| Participation rate | 61.9% | 75.2%-13.3pp | 81.9%-20.0pp | 67.2%-5.3pp |
| Annual return | 20.77% | 30.89%-10.1pp | 68.30%-47.5pp | 160.72%-139.9pp |
| Employer contribution / active EE | $2,661 | $3,538-24.8% | $4,859-45.2% | $2,671-0.4% |
| Participant deferral / active EE | $8,122 | $6,405+26.8% | $7,760+4.7% | $4,126+96.8% |
| Admin fee / account holder | $9,199 | $6,978+31.8% | $10,767-14.6% | $5,651+62.8% |