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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 | $34,406 | $55,930-38.5% | $76,089-54.8% | $80,925-57.5% |
| Participation rate | 60.7% | 62.1%-1.3pp | 69.1%-8.4pp | 67.7%-6.9pp |
| Annual return | 12.13% | 20.58%-8.4pp | 360.94%-348.8pp | 35.65%-23.5pp |
| Employer contribution / active EE | $2,516 | $1,866+34.8% | $2,690-6.5% | $2,756-8.7% |
| Participant deferral / active EE | $4,189 | $3,051+37.3% | $4,259-1.7% | $4,299-2.6% |
| Admin fee / account holder | $8,696 | $5,241+65.9% | $6,418+35.5% | $6,940+25.3% |