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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 | $83,611 | $174,379-52.1% | $152,093-45.0% | $138,895-39.8% |
| Participation rate | 58.3% | 81.6%-23.3pp | 77.8%-19.4pp | 79.9%-21.6pp |
| Annual return | 18.34% | 74.86%-56.5pp | 66.36%-48.0pp | 145.39%-127.1pp |
| Employer contribution / active EE | $2,044 | $4,652-56.1% | $4,175-51.0% | $4,194-51.3% |
| Participant deferral / active EE | $7,774 | $6,159+26.2% | $5,451+42.6% | $6,396+21.5% |
| Admin fee / account holder | $616 | $16,880-96.4% | $14,497-95.8% | $12,562-95.1% |