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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 | $42,465 | $108,825-61.0% | $156,181-72.8% | $82,448-48.5% |
| Participation rate | 65.4% | 72.4%-7.0pp | 78.8%-13.4pp | 68.1%-2.7pp |
| Annual return | 17.42% | 20.59%-3.2pp | 64.87%-47.5pp | 41.64%-24.2pp |
| Employer contribution / active EE | $2,877 | $2,870+0.2% | $4,294-33.0% | $2,551+12.8% |
| Participant deferral / active EE | $4,870 | $4,577+6.4% | $6,132-20.6% | $4,139+17.7% |
| Admin fee / account holder | $930 | $9,341-90.0% | $14,586-93.6% | $7,234-87.1% |