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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 | $51,274 | $110,410-53.6% | $102,437-49.9% | $145,897-64.9% |
| Participation rate | 61.5% | 77.9%-16.4pp | 74.5%-13.0pp | 80.3%-18.8pp |
| Annual return | 10.89% | 24.85%-14.0pp | 24.95%-14.1pp | 552.29%-541.4pp |
| Employer contribution / active EE | $3,857 | $4,217-8.5% | $3,871-0.3% | $4,663-17.3% |
| Participant deferral / active EE | $7,546 | $5,622+34.2% | $5,060+49.1% | $6,689+12.8% |
| Admin fee / account holder | $483 | $9,745-95.0% | $8,388-94.2% | $13,390-96.4% |