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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 | $37,411 | $52,279-28.4% | $89,435-58.2% | $79,856-53.2% |
| Participation rate | 61.5% | 57.5%+4.0pp | 68.0%-6.4pp | 69.6%-8.1pp |
| Annual return | 26.09% | 22.16%+3.9pp | 245.55%-219.5pp | 31.71%-5.6pp |
| Employer contribution / active EE | $338 | $1,572-78.5% | $2,587-86.9% | $2,471-86.3% |
| Participant deferral / active EE | $5,553 | $2,740+102.6% | $3,890+42.7% | $3,741+48.5% |
| Admin fee / account holder | $4,817 | $3,356+43.5% | $4,884-1.4% | $5,306-9.2% |