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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 | $43,675 | $94,436-53.8% | $115,599-62.2% | $82,637-47.1% |
| Participation rate | 68.3% | 70.4%-2.2pp | 74.3%-6.0pp | 68.1%+0.2pp |
| Annual return | 15.49% | 18.37%-2.9pp | 111.10%-95.6pp | 53.51%-38.0pp |
| Employer contribution / active EE | $2,332 | $2,324+0.3% | $2,955-21.1% | $2,552-8.6% |
| Participant deferral / active EE | $2,765 | $3,955-30.1% | $4,889-43.4% | $4,126-33.0% |
| Admin fee / account holder | $1,816 | $10,328-82.4% | $12,841-85.9% | $7,339-75.3% |