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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 | $73,966 | $201,344-63.3% | $184,243-59.9% | $145,877-49.3% |
| Participation rate | 68.4% | 87.5%-19.1pp | 86.8%-18.4pp | 80.3%-11.9pp |
| Annual return | 17.71% | 29.01%-11.3pp | 28.82%-11.1pp | 551.28%-533.6pp |
| Employer contribution / active EE | $5,159 | $7,022-26.5% | $6,427-19.7% | $4,663+10.6% |
| Participant deferral / active EE | $3,979 | $9,807-59.4% | $9,132-56.4% | $6,691-40.5% |
| Admin fee / account holder | $4,429 | $16,382-73.0% | $13,914-68.2% | $13,402-66.9% |