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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 | $35,018 | $89,259-60.8% | $107,187-67.3% | $82,637-57.6% |
| Participation rate | 65.8% | 67.9%-2.1pp | 75.0%-9.2pp | 68.1%-2.3pp |
| Annual return | 21.66% | 21.02%+0.6pp | 204.55%-182.9pp | 53.51%-31.8pp |
| Employer contribution / active EE | $2,295 | $3,080-25.5% | $3,782-39.3% | $2,552-10.1% |
| Participant deferral / active EE | $4,134 | $4,037+2.4% | $5,096-18.9% | $4,126+0.2% |
| Admin fee / account holder | $3,226 | $7,381-56.3% | $9,162-64.8% | $7,339-56.0% |