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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 | $39,222 | $66,402-40.9% | $109,895-64.3% | $85,856-54.3% |
| Participation rate | 67.5% | 63.9%+3.6pp | 74.2%-6.7pp | 69.3%-1.8pp |
| Annual return | 14.13% | 19.59%-5.5pp | 29.46%-15.3pp | 318.58%-304.4pp |
| Employer contribution / active EE | $3,981 | $1,687+136.0% | $2,843+40.0% | $2,565+55.2% |
| Participant deferral / active EE | $5,455 | $2,842+91.9% | $4,049+34.7% | $3,952+38.0% |
| Admin fee / account holder | $8,296 | $4,557+82.0% | $6,067+36.7% | $6,261+32.5% |