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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 | $59,238 | $201,370-70.6% | $184,256-67.9% | $145,897-59.4% |
| Participation rate | 68.8% | 87.5%-18.7pp | 86.8%-18.1pp | 80.3%-11.6pp |
| Annual return | 17.02% | 29.05%-12.0pp | 28.85%-11.8pp | 552.29%-535.3pp |
| Employer contribution / active EE | $2,034 | $7,024-71.0% | $6,427-68.4% | $4,663-56.4% |
| Participant deferral / active EE | $5,029 | $9,808-48.7% | $9,133-44.9% | $6,689-24.8% |
| Admin fee / account holder | $3,052 | $16,364-81.3% | $13,899-78.0% | $13,390-77.2% |