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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 | $41,492 | $88,672-53.2% | $105,223-60.6% | $82,448-49.7% |
| Participation rate | 65.4% | 67.9%-2.5pp | 75.0%-9.7pp | 68.1%-2.7pp |
| Annual return | 19.22% | 30.86%-11.6pp | 180.65%-161.4pp | 41.64%-22.4pp |
| Employer contribution / active EE | $2,772 | $3,048-9.0% | $3,689-24.8% | $2,551+8.7% |
| Participant deferral / active EE | $4,106 | $4,036+1.7% | $5,072-19.0% | $4,139-0.8% |
| Admin fee / account holder | $2,200 | $7,146-69.2% | $8,859-75.2% | $7,234-69.6% |