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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 | $77,814-29.3% | $158,223-65.2% | $86,983-36.7% |
| Participation rate | 68.6% | 68.4%+0.2pp | 79.2%-10.6pp | 69.5%-1.0pp |
| Annual return | 27.35% | 30.54%-3.2pp | 52.09%-24.7pp | 25.83%+1.5pp |
| Employer contribution / active EE | $5,601 | $2,592+116.1% | $4,109+36.3% | $2,584+116.7% |
| Participant deferral / active EE | $8,620 | $3,270+163.6% | $5,467+57.7% | $4,194+105.5% |
| Admin fee / account holder | $1,902 | $5,879-67.7% | $16,047-88.1% | $7,856-75.8% |