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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 | $37,912 | $65,364-42.0% | $92,909-59.2% | $72,975-48.0% |
| Participation rate | 51.1% | 68.3%-17.2pp | 76.0%-24.9pp | 69.5%-18.4pp |
| Annual return | 18.20% | 42.11%-23.9pp | 109.44%-91.2pp | 81.01%-62.8pp |
| Employer contribution / active EE | $2,522 | $2,594-2.8% | $3,653-31.0% | $2,440+3.4% |
| Participant deferral / active EE | $4,917 | $3,128+57.2% | $4,238+16.0% | $3,608+36.3% |
| Admin fee / account holder | $11,148 | $4,251+162.2% | $5,795+92.4% | $5,124+117.6% |