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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 | $77,180 | $162,821-52.6% | $133,978-42.4% | $158,982-51.5% |
| Participation rate | 50.0% | 83.2%-33.2pp | 79.8%-29.8pp | 82.0%-32.0pp |
| Annual return | 20.57% | 41.95%-21.4pp | 45.10%-24.5pp | 302.99%-282.4pp |
| Employer contribution / active EE | $4,570 | $4,976-8.2% | $3,919+16.6% | $4,763-4.0% |
| Participant deferral / active EE | $8,759 | $5,910+48.2% | $5,047+73.5% | $5,983+46.4% |
| Admin fee / account holder | $5,365 | $11,742-54.3% | $8,930-39.9% | $11,252-52.3% |