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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 | $55,040 | $76,407-28.0% | $150,298-63.4% | $82,448-33.2% |
| Participation rate | 68.6% | 66.4%+2.2pp | 77.8%-9.2pp | 68.1%+0.5pp |
| Annual return | 27.35% | 39.99%-12.6pp | 62.79%-35.4pp | 41.64%-14.3pp |
| Employer contribution / active EE | $5,601 | $2,614+114.3% | $4,154+34.8% | $2,551+119.6% |
| Participant deferral / active EE | $8,620 | $3,214+168.2% | $5,453+58.1% | $4,139+108.2% |
| Admin fee / account holder | $1,902 | $6,352-70.1% | $14,116-86.5% | $7,234-73.7% |