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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 | $107,809-59.7% | $97,032-55.3% | $155,188-72.0% |
| Participation rate | 57.1% | 75.5%-18.3pp | 71.6%-14.4pp | 80.8%-23.7pp |
| Annual return | 19.41% | 38.06%-18.7pp | 35.38%-16.0pp | 148.84%-129.4pp |
| Employer contribution / active EE | $2,075 | $2,911-28.7% | $2,629-21.1% | $4,248-51.2% |
| Participant deferral / active EE | $5,312 | $5,129+3.6% | $4,672+13.7% | $6,531-18.7% |
| Admin fee / account holder | $1,002 | $10,717-90.7% | $9,418-89.4% | $14,480-93.1% |