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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 | $86,050-36.0% | $189,758-71.0% | $94,015-41.5% |
| Participation rate | 68.6% | 68.9%-0.3pp | 79.8%-11.2pp | 70.8%-2.2pp |
| Annual return | 27.35% | 17.77%+9.6pp | 52.62%-25.3pp | 17.84%+9.5pp |
| Employer contribution / active EE | $5,601 | $2,819+98.7% | $4,767+17.5% | $2,790+100.7% |
| Participant deferral / active EE | $8,620 | $3,349+157.4% | $5,856+47.2% | $4,249+102.8% |
| Admin fee / account holder | $1,902 | $6,627-71.3% | $20,388-90.7% | $8,951-78.8% |