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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 | $39,619 | $65,566-39.6% | $86,235-54.1% | $75,177-47.3% |
| Participation rate | 66.0% | 60.5%+5.5pp | 69.0%-3.0pp | 67.2%-1.2pp |
| Annual return | 16.61% | 46.07%-29.5pp | 1170.03%-1153.4pp | 160.75%-144.1pp |
| Employer contribution / active EE | $2,230 | $1,553+43.6% | $2,381-6.3% | $2,671-16.5% |
| Participant deferral / active EE | $3,753 | $3,023+24.1% | $3,987-5.9% | $4,126-9.1% |
| Admin fee / account holder | $5,217 | $5,470-4.6% | $6,856-23.9% | $5,651-7.7% |