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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 | $45,261 | $55,889-19.0% | $76,119-40.5% | $80,935-44.1% |
| Participation rate | 60.7% | 62.1%-1.4pp | 69.1%-8.4pp | 67.7%-6.9pp |
| Annual return | 15.00% | 20.58%-5.6pp | 361.25%-346.2pp | 35.66%-20.7pp |
| Employer contribution / active EE | $2,928 | $1,866+56.9% | $2,693+8.7% | $2,757+6.2% |
| Participant deferral / active EE | $3,068 | $3,051+0.5% | $4,259-28.0% | $4,299-28.6% |
| Admin fee / account holder | $1,917 | $5,241-63.4% | $6,421-70.1% | $6,924-72.3% |