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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 | $82,929 | $103,393-19.8% | $87,103-4.8% | $152,909-45.8% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.9%-10.2pp | 82.5%-15.8pp |
| Annual return | 23.60% | 28.10%-4.5pp | 28.19%-4.6pp | 345.46%-321.9pp |
| Employer contribution / active EE | $2,249 | $3,221-30.2% | $2,521-10.8% | $4,764-52.8% |
| Participant deferral / active EE | $4,154 | $4,778-13.1% | $4,049+2.6% | $5,851-29.0% |
| Admin fee / account holder | $782 | $12,195-93.6% | $7,491-89.6% | $11,601-93.3% |