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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 | $44,239 | $65,034-32.0% | $90,970-51.4% | $79,856-44.6% |
| Participation rate | 69.1% | 61.6%+7.5pp | 69.0%+0.1pp | 69.6%-0.5pp |
| Annual return | 10.23% | 30.45%-20.2pp | 134.60%-124.4pp | 31.71%-21.5pp |
| Employer contribution / active EE | $2,360 | $1,247+89.2% | $2,122+11.2% | $2,471-4.5% |
| Participant deferral / active EE | $1,349 | $2,512-46.3% | $3,373-60.0% | $3,741-63.9% |
| Admin fee / account holder | $4,768 | $4,536+5.1% | $5,961-20.0% | $5,306-10.2% |