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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 | $39,270 | $87,106-54.9% | $105,607-62.8% | $80,935-51.5% |
| Participation rate | 62.1% | 70.4%-8.4pp | 75.3%-13.2pp | 67.7%-5.6pp |
| Annual return | 24.19% | 17.01%+7.2pp | 116.11%-91.9pp | 35.66%-11.5pp |
| Employer contribution / active EE | $2,195 | $2,396-8.4% | $3,167-30.7% | $2,757-20.4% |
| Participant deferral / active EE | $6,401 | $3,986+60.6% | $5,011+27.7% | $4,299+48.9% |
| Admin fee / account holder | $1,046 | $8,447-87.6% | $10,958-90.5% | $6,924-84.9% |