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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 | $50,266 | $84,953-40.8% | $163,379-69.2% | $82,637-39.2% |
| Participation rate | 69.0% | 65.9%+3.1pp | 76.8%-7.8pp | 68.1%+1.0pp |
| Annual return | 43.11% | 23.07%+20.0pp | 63.41%-20.3pp | 53.51%-10.4pp |
| Employer contribution / active EE | $2,058 | $2,183-5.7% | $3,752-45.2% | $2,552-19.4% |
| Participant deferral / active EE | $3,748 | $4,326-13.4% | $6,282-40.3% | $4,126-9.2% |
| Admin fee / account holder | $21,771 | $7,921+174.8% | $9,818+121.7% | $7,339+196.7% |