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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 | $42,116 | $77,901-45.9% | $149,717-71.9% | $75,181-44.0% |
| Participation rate | 66.7% | 65.6%+1.1pp | 78.8%-12.1pp | 67.2%-0.5pp |
| Annual return | 16.15% | 31.73%-15.6pp | 134.41%-118.3pp | 160.69%-144.5pp |
| Employer contribution / active EE | $1,836 | $3,137-41.5% | $4,820-61.9% | $2,671-31.3% |
| Participant deferral / active EE | $3,308 | $3,411-3.0% | $5,682-41.8% | $4,126-19.8% |
| Admin fee / account holder | $5,581 | $5,949-6.2% | $13,213-57.8% | $5,650-1.2% |