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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 | $43,824 | $81,276-46.1% | $155,574-71.8% | $80,925-45.8% |
| Participation rate | 67.7% | 66.2%+1.5pp | 78.2%-10.5pp | 67.7%+0.1pp |
| Annual return | 35.55% | 33.36%+2.2pp | 64.87%-29.3pp | 35.65%-0.1pp |
| Employer contribution / active EE | $4,388 | $3,103+41.4% | $4,676-6.1% | $2,756+59.2% |
| Participant deferral / active EE | $4,957 | $3,453+43.6% | $5,629-11.9% | $4,299+15.3% |
| Admin fee / account holder | $5,625 | $7,993-29.6% | $15,914-64.7% | $6,940-18.9% |