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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 | $53,995 | $63,354-14.8% | $94,105-42.6% | $82,637-34.7% |
| Participation rate | 54.4% | 63.8%-9.4pp | 71.9%-17.6pp | 68.1%-13.7pp |
| Annual return | 19.32% | 34.36%-15.0pp | 204.55%-185.2pp | 53.51%-34.2pp |
| Employer contribution / active EE | $2,102 | $1,760+19.5% | $2,504-16.1% | $2,552-17.6% |
| Participant deferral / active EE | $3,164 | $2,873+10.1% | $3,881-18.5% | $4,126-23.3% |
| Admin fee / account holder | $5,567 | $5,073+9.7% | $6,199-10.2% | $7,339-24.1% |