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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 | $43,411 | $97,125-55.3% | $86,233-49.7% | $137,256-68.4% |
| Participation rate | 57.1% | 74.2%-17.1pp | 69.0%-11.9pp | 80.0%-22.8pp |
| Annual return | 19.41% | 74.19%-54.8pp | 61.39%-42.0pp | 220.34%-200.9pp |
| Employer contribution / active EE | $2,075 | $2,841-27.0% | $2,504-17.2% | $4,156-50.1% |
| Participant deferral / active EE | $5,312 | $5,180+2.6% | $4,559+16.5% | $6,407-17.1% |
| Admin fee / account holder | $1,002 | $9,725-89.7% | $8,342-88.0% | $12,270-91.8% |