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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 | $72,868 | $91,559-20.4% | $133,978-45.6% | $79,856-8.8% |
| Participation rate | 62.3% | 73.3%-11.0pp | 79.8%-17.5pp | 69.6%-7.3pp |
| Annual return | 12.11% | 61.85%-49.7pp | 45.10%-33.0pp | 31.71%-19.6pp |
| Employer contribution / active EE | $1,295 | $2,384-45.7% | $3,919-66.9% | $2,471-47.6% |
| Participant deferral / active EE | $3,479 | $3,734-6.8% | $5,047-31.1% | $3,741-7.0% |
| Admin fee / account holder | $4,567 | $6,321-27.8% | $8,930-48.9% | $5,306-13.9% |