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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 | $31,407 | $72,492-56.7% | $87,102-63.9% | $72,983-57.0% |
| Participation rate | 62.2% | 72.8%-10.6pp | 76.9%-14.6pp | 69.5%-7.3pp |
| Annual return | 47.26% | 24.46%+22.8pp | 28.19%+19.1pp | 81.01%-33.7pp |
| Employer contribution / active EE | $2,188 | $1,894+15.5% | $2,521-13.2% | $2,440-10.3% |
| Participant deferral / active EE | $3,971 | $3,270+21.5% | $4,048-1.9% | $3,608+10.1% |
| Admin fee / account holder | $2,304 | $5,055-54.4% | $7,491-69.2% | $5,124-55.0% |