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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 | $35,605 | $73,978-51.9% | $96,515-63.1% | $75,173-52.6% |
| Participation rate | 59.3% | 66.4%-7.2pp | 74.3%-15.1pp | 67.2%-7.9pp |
| Annual return | 48.93% | 26.72%+22.2pp | 35.73%+13.2pp | 160.72%-111.8pp |
| Employer contribution / active EE | $2,235 | $2,931-23.8% | $3,740-40.2% | $2,671-16.3% |
| Participant deferral / active EE | $6,159 | $3,660+68.3% | $4,880+26.2% | $4,126+49.3% |
| Admin fee / account holder | $532 | $5,219-89.8% | $6,735-92.1% | $5,651-90.6% |