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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 | $52,764 | $65,361-19.3% | $92,903-43.2% | $72,983-27.7% |
| Participation rate | 64.3% | 68.3%-4.0pp | 76.0%-11.7pp | 69.5%-5.2pp |
| Annual return | 29.62% | 42.11%-12.5pp | 109.43%-79.8pp | 81.01%-51.4pp |
| Employer contribution / active EE | $2,196 | $2,594-15.4% | $3,653-39.9% | $2,440-10.0% |
| Participant deferral / active EE | $5,628 | $3,128+79.9% | $4,238+32.8% | $3,608+56.0% |
| Admin fee / account holder | $1,309 | $4,251-69.2% | $5,795-77.4% | $5,124-74.4% |