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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 | $52,672 | $106,749-50.7% | $145,433-63.8% | $82,448-36.1% |
| Participation rate | 69.4% | 75.6%-6.3pp | 82.1%-12.7pp | 68.1%+1.3pp |
| Annual return | 17.68% | 27.59%-9.9pp | 66.58%-48.9pp | 41.64%-24.0pp |
| Employer contribution / active EE | $3,591 | $3,444+4.3% | $4,554-21.2% | $2,551+40.8% |
| Participant deferral / active EE | $6,957 | $6,519+6.7% | $7,897-11.9% | $4,139+68.1% |
| Admin fee / account holder | $2,769 | $8,390-67.0% | $13,129-78.9% | $7,234-61.7% |