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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 | $58,648 | $89,259-34.3% | $107,187-45.3% | $82,637-29.0% |
| Participation rate | 64.2% | 67.9%-3.8pp | 75.0%-10.9pp | 68.1%-3.9pp |
| Annual return | 16.66% | 21.02%-4.4pp | 204.55%-187.9pp | 53.51%-36.8pp |
| Employer contribution / active EE | $1,789 | $3,080-41.9% | $3,782-52.7% | $2,552-29.9% |
| Participant deferral / active EE | $4,377 | $4,037+8.4% | $5,096-14.1% | $4,126+6.1% |
| Admin fee / account holder | $1,848 | $7,381-75.0% | $9,162-79.8% | $7,339-74.8% |