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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 | $41,241 | $80,983-49.1% | $96,544-57.3% | $75,177-45.1% |
| Participation rate | 61.1% | 71.8%-10.7pp | 76.0%-14.9pp | 67.2%-6.1pp |
| Annual return | 14.40% | 27.05%-12.7pp | 25.88%-11.5pp | 160.75%-146.3pp |
| Employer contribution / active EE | $2,526 | $2,282+10.7% | $2,966-14.9% | $2,671-5.4% |
| Participant deferral / active EE | $4,900 | $3,929+24.7% | $4,851+1.0% | $4,126+18.7% |
| Admin fee / account holder | $17,014 | $6,717+153.3% | $8,254+106.1% | $5,651+201.1% |