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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 | $45,270 | $76,407-40.8% | $150,298-69.9% | $82,448-45.1% |
| Participation rate | 69.4% | 66.4%+3.0pp | 77.8%-8.4pp | 68.1%+1.3pp |
| Annual return | 25.78% | 39.99%-14.2pp | 62.79%-37.0pp | 41.64%-15.9pp |
| Employer contribution / active EE | $3,846 | $2,614+47.1% | $4,154-7.4% | $2,551+50.8% |
| Participant deferral / active EE | $8,572 | $3,214+166.7% | $5,453+57.2% | $4,139+107.1% |
| Admin fee / account holder | $4,407 | $6,352-30.6% | $14,116-68.8% | $7,234-39.1% |