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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 | $78,690-30.1% | $161,489-65.9% | $87,485-37.1% |
| Participation rate | 68.6% | 67.5%+1.1pp | 78.7%-10.1pp | 68.9%-0.4pp |
| Annual return | 27.35% | 32.74%-5.4pp | 89.72%-62.4pp | 26.06%+1.3pp |
| Employer contribution / active EE | $5,601 | $2,588+116.4% | $4,268+31.2% | $2,596+115.7% |
| Participant deferral / active EE | $8,620 | $3,311+160.3% | $5,630+53.1% | $4,274+101.7% |
| Admin fee / account holder | $1,902 | $6,724-71.7% | $16,006-88.1% | $7,775-75.5% |