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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 | $36,867 | $65,364-43.6% | $92,909-60.3% | $72,975-49.5% |
| Participation rate | 61.3% | 68.3%-7.0pp | 76.0%-14.7pp | 69.5%-8.2pp |
| Annual return | 36.75% | 42.11%-5.4pp | 109.44%-72.7pp | 81.01%-44.3pp |
| Employer contribution / active EE | $2,298 | $2,594-11.4% | $3,653-37.1% | $2,440-5.8% |
| Participant deferral / active EE | $4,573 | $3,128+46.2% | $4,238+7.9% | $3,608+26.8% |
| Admin fee / account holder | $1,733 | $4,251-59.2% | $5,795-70.1% | $5,124-66.2% |