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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 | $59,441 | $78,670-24.4% | $109,173-45.6% | $85,847-30.8% |
| Participation rate | 65.4% | 68.3%-2.9pp | 75.9%-10.5pp | 69.3%-3.9pp |
| Annual return | 17.40% | 25.09%-7.7pp | 25.75%-8.4pp | 318.61%-301.2pp |
| Employer contribution / active EE | $3,185 | $2,734+16.5% | $3,723-14.4% | $2,565+24.2% |
| Participant deferral / active EE | $5,371 | $3,467+54.9% | $4,654+15.4% | $3,952+35.9% |
| Admin fee / account holder | $2,572 | $5,469-53.0% | $6,755-61.9% | $6,261-58.9% |