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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 | $54,194 | $76,407-29.1% | $150,298-63.9% | $82,448-34.3% |
| Participation rate | 64.0% | 66.4%-2.4pp | 77.8%-13.8pp | 68.1%-4.1pp |
| Annual return | 16.10% | 39.99%-23.9pp | 62.79%-46.7pp | 41.64%-25.5pp |
| Employer contribution / active EE | $2,078 | $2,614-20.5% | $4,154-50.0% | $2,551-18.5% |
| Participant deferral / active EE | $3,620 | $3,214+12.6% | $5,453-33.6% | $4,139-12.5% |
| Admin fee / account holder | $3,119 | $6,352-50.9% | $14,116-77.9% | $7,234-56.9% |