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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 | $44,807 | $69,977-36.0% | $108,582-58.7% | $62,881-28.7% |
| Participation rate | 64.3% | 72.9%-8.6pp | 79.6%-15.3pp | 69.3%-5.0pp |
| Annual return | 36.03% | 10.73%+25.3pp | -51.70%+87.7pp | 20.14%+15.9pp |
| Employer contribution / active EE | $2,458 | $2,135+15.1% | $3,758-34.6% | $2,281+7.8% |
| Participant deferral / active EE | $6,095 | $3,165+92.6% | $4,311+41.4% | $3,203+90.3% |
| Admin fee / account holder | $1,791 | $5,076-64.7% | $7,645-76.6% | $4,296-58.3% |