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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 | $59,456 | $65,364-9.0% | $92,909-36.0% | $72,975-18.5% |
| Participation rate | 62.0% | 68.3%-6.3pp | 76.0%-14.0pp | 69.5%-7.5pp |
| Annual return | 24.41% | 42.11%-17.7pp | 109.44%-85.0pp | 81.01%-56.6pp |
| Employer contribution / active EE | $2,214 | $2,594-14.7% | $3,653-39.4% | $2,440-9.3% |
| Participant deferral / active EE | $5,382 | $3,128+72.1% | $4,238+27.0% | $3,608+49.2% |
| Admin fee / account holder | $1,034 | $4,251-75.7% | $5,795-82.2% | $5,124-79.8% |