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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 | $25,878 | $106,864-75.8% | $147,318-82.4% | $82,637-68.7% |
| Participation rate | 65.4% | 75.5%-10.1pp | 82.1%-16.7pp | 68.1%-2.7pp |
| Annual return | 23.74% | 27.49%-3.7pp | 70.43%-46.7pp | 53.51%-29.8pp |
| Employer contribution / active EE | $2,620 | $3,417-23.3% | $4,593-42.9% | $2,552+2.7% |
| Participant deferral / active EE | $5,485 | $6,496-15.6% | $7,906-30.6% | $4,126+32.9% |
| Admin fee / account holder | $3,462 | $8,415-58.9% | $13,708-74.7% | $7,339-52.8% |