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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 | $55,619 | $93,617-40.6% | $135,982-59.1% | $75,177-26.0% |
| Participation rate | 64.1% | 75.2%-11.1pp | 81.9%-17.9pp | 67.2%-3.1pp |
| Annual return | 21.90% | 30.89%-9.0pp | 68.32%-46.4pp | 160.75%-138.8pp |
| Employer contribution / active EE | $4,415 | $3,538+24.8% | $4,859-9.1% | $2,671+65.3% |
| Participant deferral / active EE | $10,531 | $6,406+64.4% | $7,760+35.7% | $4,126+155.2% |
| Admin fee / account holder | $6,636 | $6,980-4.9% | $10,767-38.4% | $5,651+17.4% |