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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 | $18,843 | $65,395-71.2% | $182,540-89.7% | $72,975-74.2% |
| Participation rate | 66.7% | 65.4%+1.2pp | 78.0%-11.3pp | 69.5%-2.8pp |
| Annual return | 27.76% | 27.68%+0.1pp | 148.58%-120.8pp | 81.01%-53.3pp |
| Employer contribution / active EE | $2,360 | $1,911+23.5% | $4,076-42.1% | $2,440-3.3% |
| Participant deferral / active EE | $4,101 | $3,563+15.1% | $5,525-25.8% | $3,608+13.7% |
| Admin fee / account holder | $2,893 | $4,245-31.8% | $8,593-66.3% | $5,124-43.5% |