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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 | $36,415 | $78,670-53.7% | $109,173-66.6% | $85,847-57.6% |
| Participation rate | 65.6% | 68.3%-2.7pp | 75.9%-10.3pp | 69.3%-3.7pp |
| Annual return | 22.27% | 25.09%-2.8pp | 25.75%-3.5pp | 318.61%-296.3pp |
| Employer contribution / active EE | $2,683 | $2,734-1.8% | $3,723-27.9% | $2,565+4.6% |
| Participant deferral / active EE | $4,561 | $3,467+31.5% | $4,654-2.0% | $3,952+15.4% |
| Admin fee / account holder | $4,735 | $5,469-13.4% | $6,755-29.9% | $6,261-24.4% |