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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 | $35,701 | $65,027-45.1% | $90,970-60.8% | $79,852-55.3% |
| Participation rate | 65.4% | 61.6%+3.8pp | 69.0%-3.6pp | 69.6%-4.3pp |
| Annual return | 12.21% | 30.45%-18.2pp | 134.58%-122.4pp | 31.72%-19.5pp |
| Employer contribution / active EE | $3,021 | $1,247+142.2% | $2,122+42.3% | $2,471+22.3% |
| Participant deferral / active EE | $4,522 | $2,512+80.0% | $3,373+34.1% | $3,740+20.9% |
| Admin fee / account holder | $7,515 | $4,535+65.7% | $5,960+26.1% | $5,306+41.6% |