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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 | $78,850 | $106,749-26.1% | $145,433-45.8% | $82,448-4.4% |
| Participation rate | 69.8% | 75.6%-5.9pp | 82.1%-12.4pp | 68.1%+1.7pp |
| Annual return | 14.99% | 27.59%-12.6pp | 66.58%-51.6pp | 41.64%-26.6pp |
| Employer contribution / active EE | $4,891 | $3,444+42.0% | $4,554+7.4% | $2,551+91.7% |
| Participant deferral / active EE | $5,000 | $6,519-23.3% | $7,897-36.7% | $4,139+20.8% |
| Admin fee / account holder | $24,714 | $8,390+194.6% | $13,129+88.2% | $7,234+241.6% |