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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 | $58,799 | $52,279+12.5% | $89,435-34.3% | $79,856-26.4% |
| Participation rate | 44.0% | 57.5%-13.5pp | 68.0%-24.0pp | 69.6%-25.6pp |
| Annual return | 21.71% | 22.16%-0.5pp | 245.55%-223.8pp | 31.71%-10.0pp |
| Employer contribution / active EE | $855 | $1,572-45.6% | $2,587-66.9% | $2,471-65.4% |
| Participant deferral / active EE | $4,227 | $2,740+54.3% | $3,890+8.6% | $3,741+13.0% |
| Admin fee / account holder | $2,161 | $3,356-35.6% | $4,884-55.8% | $5,306-59.3% |