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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 | $34,937 | $107,809-67.6% | $97,032-64.0% | $155,188-77.5% |
| Participation rate | 50.0% | 75.5%-25.5pp | 71.6%-21.6pp | 80.8%-30.8pp |
| Annual return | 15.90% | 38.06%-22.2pp | 35.38%-19.5pp | 148.84%-132.9pp |
| Employer contribution / active EE | $4,253 | $2,911+46.1% | $2,629+61.8% | $4,248+0.1% |
| Participant deferral / active EE | $8,067 | $5,129+57.3% | $4,672+72.7% | $6,531+23.5% |
| Admin fee / account holder | $1,420 | $10,717-86.7% | $9,418-84.9% | $14,480-90.2% |