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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 | $61,361 | $115,225-46.7% | $100,712-39.1% | $138,895-55.8% |
| Participation rate | 56.3% | 74.3%-18.1pp | 69.3%-13.0pp | 79.9%-23.7pp |
| Annual return | 39.21% | 40.35%-1.1pp | 33.27%+5.9pp | 145.39%-106.2pp |
| Employer contribution / active EE | $2,219 | $2,771-19.9% | $2,313-4.1% | $4,194-47.1% |
| Participant deferral / active EE | $5,946 | $4,699+26.5% | $4,085+45.6% | $6,396-7.0% |
| Admin fee / account holder | $1,853 | $10,844-82.9% | $9,256-80.0% | $12,562-85.3% |