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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 | $47,274 | $76,407-38.1% | $150,298-68.5% | $82,448-42.7% |
| Participation rate | 55.6% | 66.4%-10.8pp | 77.8%-22.2pp | 68.1%-12.5pp |
| Annual return | 34.64% | 39.99%-5.3pp | 62.79%-28.1pp | 41.64%-7.0pp |
| Employer contribution / active EE | $1,683 | $2,614-35.6% | $4,154-59.5% | $2,551-34.0% |
| Participant deferral / active EE | $4,342 | $3,214+35.1% | $5,453-20.4% | $4,139+4.9% |
| Admin fee / account holder | $7,345 | $6,352+15.6% | $14,116-48.0% | $7,234+1.5% |