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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 | $55,004 | $115,225-52.3% | $100,712-45.4% | $138,895-60.4% |
| Participation rate | 58.3% | 74.3%-16.0pp | 69.3%-10.9pp | 79.9%-21.6pp |
| Annual return | 31.46% | 40.35%-8.9pp | 33.27%-1.8pp | 145.39%-113.9pp |
| Employer contribution / active EE | $1,655 | $2,771-40.3% | $2,313-28.4% | $4,194-60.5% |
| Participant deferral / active EE | $6,990 | $4,699+48.8% | $4,085+71.1% | $6,396+9.3% |
| Admin fee / account holder | $3,163 | $10,844-70.8% | $9,256-65.8% | $12,562-74.8% |