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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 | $73,242 | $65,364+12.1% | $92,909-21.2% | $72,975+0.4% |
| Participation rate | 51.6% | 68.3%-16.8pp | 76.0%-24.4pp | 69.5%-17.9pp |
| Annual return | 38.85% | 42.11%-3.3pp | 109.44%-70.6pp | 81.01%-42.2pp |
| Employer contribution / active EE | $1,172 | $2,594-54.8% | $3,653-67.9% | $2,440-52.0% |
| Participant deferral / active EE | $1,640 | $3,128-47.6% | $4,238-61.3% | $3,608-54.5% |
| Admin fee / account holder | $1,528 | $4,251-64.1% | $5,795-73.6% | $5,124-70.2% |