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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 | $25,851 | $73,988-65.1% | $96,538-73.2% | $75,177-65.6% |
| Participation rate | 52.0% | 66.4%-14.4pp | 74.3%-22.3pp | 67.2%-15.2pp |
| Annual return | 19.53% | 26.73%-7.2pp | 35.74%-16.2pp | 160.75%-141.2pp |
| Employer contribution / active EE | $3,464 | $2,930+18.2% | $3,740-7.4% | $2,671+29.7% |
| Participant deferral / active EE | $5,982 | $3,660+63.4% | $4,880+22.6% | $4,126+45.0% |
| Admin fee / account holder | $12,420 | $5,220+138.0% | $6,737+84.3% | $5,651+119.8% |