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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 | $36,164 | $73,978-51.1% | $96,515-62.5% | $75,173-51.9% |
| Participation rate | 56.0% | 66.4%-10.4pp | 74.3%-18.3pp | 67.2%-11.2pp |
| Annual return | 13.41% | 26.72%-13.3pp | 35.73%-22.3pp | 160.72%-147.3pp |
| Employer contribution / active EE | $2,844 | $2,931-3.0% | $3,740-23.9% | $2,671+6.5% |
| Participant deferral / active EE | $4,755 | $3,660+29.9% | $4,880-2.5% | $4,126+15.2% |
| Admin fee / account holder | $23,549 | $5,219+351.2% | $6,735+249.6% | $5,651+316.8% |