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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 | $66,042 | $124,330-46.9% | $109,173-39.5% | $167,536-60.6% |
| Participation rate | 66.7% | 79.5%-12.8pp | 75.9%-9.2pp | 82.1%-15.4pp |
| Annual return | 12.10% | 26.04%-13.9pp | 25.75%-13.7pp | 478.82%-466.7pp |
| Employer contribution / active EE | $3,325 | $4,209-21.0% | $3,723-10.7% | $4,839-31.3% |
| Participant deferral / active EE | $6,554 | $5,256+24.7% | $4,654+40.8% | $6,342+3.3% |
| Admin fee / account holder | $5,938 | $7,974-25.5% | $6,755-12.1% | $12,315-51.8% |