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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 | $39,116 | $53,128-26.4% | $86,581-54.8% | $70,124-44.2% |
| Participation rate | 64.0% | 65.3%-1.3pp | 73.5%-9.5pp | 69.5%-5.5pp |
| Annual return | 17.40% | 27.66%-10.3pp | 965.06%-947.7pp | 73.14%-55.7pp |
| Employer contribution / active EE | $2,901 | $2,068+40.3% | $2,840+2.2% | $2,342+23.8% |
| Participant deferral / active EE | $3,587 | $2,695+33.1% | $3,609-0.6% | $3,332+7.7% |
| Admin fee / account holder | $384 | $3,584-89.3% | $4,904-92.2% | $4,645-91.7% |