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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 | $54,328 | $88,360-38.5% | $145,433-62.6% | $67,986-20.1% |
| Participation rate | 39.5% | 65.5%-26.0pp | 82.1%-42.6pp | 57.2%-17.7pp |
| Annual return | 20.07% | 63.15%-43.1pp | 66.58%-46.5pp | 31.67%-11.6pp |
| Employer contribution / active EE | $1,769 | $3,054-42.1% | $4,554-61.2% | $2,019-12.4% |
| Participant deferral / active EE | $2,688 | $5,932-54.7% | $7,897-66.0% | $3,358-20.0% |
| Admin fee / account holder | $4,183 | $3,313+26.3% | $13,129-68.1% | $3,203+30.6% |