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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 | $64,087 | $93,617-31.5% | $135,982-52.9% | $75,177-14.8% |
| Participation rate | 61.8% | 75.2%-13.4pp | 81.9%-20.2pp | 67.2%-5.4pp |
| Annual return | 24.96% | 30.89%-5.9pp | 68.32%-43.4pp | 160.75%-135.8pp |
| Employer contribution / active EE | $3,301 | $3,538-6.7% | $4,859-32.1% | $2,671+23.6% |
| Participant deferral / active EE | $9,101 | $6,406+42.1% | $7,760+17.3% | $4,126+120.5% |
| Admin fee / account holder | $3,052 | $6,980-56.3% | $10,767-71.7% | $5,651-46.0% |