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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 | $51,490 | $157,270-67.3% | $141,173-63.5% | $152,870-66.3% |
| Participation rate | 62.5% | 84.8%-22.3pp | 82.5%-20.0pp | 82.4%-19.9pp |
| Annual return | 17.20% | 64.33%-47.1pp | 71.40%-54.2pp | 345.34%-328.1pp |
| Employer contribution / active EE | $1,839 | $5,261-65.0% | $4,735-61.2% | $4,763-61.4% |
| Participant deferral / active EE | $6,588 | $7,110-7.3% | $6,710-1.8% | $5,850+12.6% |
| Admin fee / account holder | $792 | $12,121-93.5% | $10,262-92.3% | $11,597-93.2% |