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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 | $50,840 | $96,731-47.4% | $123,973-59.0% | $86,983-41.6% |
| Participation rate | 66.7% | 70.0%-3.4pp | 76.7%-10.0pp | 69.5%-2.9pp |
| Annual return | 15.37% | 17.33%-2.0pp | 388.13%-372.8pp | 25.83%-10.5pp |
| Employer contribution / active EE | $2,799 | $3,297-15.1% | $4,126-32.2% | $2,584+8.3% |
| Participant deferral / active EE | $5,682 | $4,152+36.8% | $5,247+8.3% | $4,194+35.5% |
| Admin fee / account holder | $1,702 | $8,722-80.5% | $11,799-85.6% | $7,856-78.3% |