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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 | $41,521 | $78,423-47.1% | $95,964-56.7% | $79,856-48.0% |
| Participation rate | 64.4% | 73.5%-9.0pp | 77.1%-12.6pp | 69.6%-5.2pp |
| Annual return | 14.61% | 19.37%-4.8pp | 91.64%-77.0pp | 31.71%-17.1pp |
| Employer contribution / active EE | $2,385 | $1,945+22.6% | $2,541-6.2% | $2,471-3.5% |
| Participant deferral / active EE | $5,136 | $3,440+49.3% | $4,167+23.3% | $3,741+37.3% |
| Admin fee / account holder | $3,502 | $5,622-37.7% | $6,797-48.5% | $5,306-34.0% |