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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 | $69,449 | $86,940-20.1% | $102,434-32.2% | $80,935-14.2% |
| Participation rate | 46.4% | 72.4%-26.0pp | 76.5%-30.1pp | 67.7%-21.2pp |
| Annual return | 35.69% | 18.89%+16.8pp | 29.46%+6.2pp | 35.66%0pp |
| Employer contribution / active EE | $2,180 | $2,370-8.0% | $3,023-27.9% | $2,757-20.9% |
| Participant deferral / active EE | $4,634 | $4,121+12.5% | $5,055-8.3% | $4,299+7.8% |
| Admin fee / account holder | $2,038 | $8,047-74.7% | $9,462-78.5% | $6,924-70.6% |