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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 | $45,005 | $105,284-57.3% | $150,734-70.1% | $94,015-52.1% |
| Participation rate | 69.6% | 71.7%-2.2pp | 78.4%-8.9pp | 70.8%-1.3pp |
| Annual return | 13.53% | 15.67%-2.1pp | 600.81%-587.3pp | 17.84%-4.3pp |
| Employer contribution / active EE | $2,149 | $3,599-40.3% | $4,918-56.3% | $2,790-23.0% |
| Participant deferral / active EE | $4,620 | $4,274+8.1% | $5,610-17.6% | $4,249+8.7% |
| Admin fee / account holder | $2,301 | $9,839-76.6% | $14,905-84.6% | $8,951-74.3% |