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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 | $36,720 | $54,763-32.9% | $90,324-59.3% | $72,976-49.7% |
| Participation rate | 62.6% | 65.2%-2.5pp | 73.3%-10.6pp | 69.5%-6.9pp |
| Annual return | 41.08% | 30.63%+10.5pp | 78.15%-37.1pp | 81.02%-39.9pp |
| Employer contribution / active EE | $2,221 | $2,093+6.1% | $2,856-22.2% | $2,440-9.0% |
| Participant deferral / active EE | $4,515 | $2,887+56.4% | $3,885+16.2% | $3,608+25.2% |
| Admin fee / account holder | $2,693 | $3,973-32.2% | $5,356-49.7% | $5,124-47.4% |