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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 | $44,454 | $76,551-41.9% | $123,894-64.1% | $62,881-29.3% |
| Participation rate | 62.2% | 73.0%-10.8pp | 81.4%-19.2pp | 69.3%-7.1pp |
| Annual return | 9.00% | 18.68%-9.7pp | 47.52%-38.5pp | 20.14%-11.1pp |
| Employer contribution / active EE | $3,127 | $2,882+8.5% | $4,617-32.3% | $2,281+37.1% |
| Participant deferral / active EE | $5,879 | $4,840+21.5% | $5,984-1.8% | $3,203+83.5% |
| Admin fee / account holder | $314 | $4,826-93.5% | $8,357-96.2% | $4,296-92.7% |