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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 | $181,062-53.8% | $158,223-47.2% | $155,188-46.1% |
| Participation rate | 58.3% | 82.7%-24.3pp | 79.2%-20.9pp | 80.8%-22.5pp |
| Annual return | 18.34% | 57.39%-39.0pp | 52.09%-33.8pp | 148.84%-130.5pp |
| Employer contribution / active EE | $2,044 | $4,565-55.2% | $4,109-50.3% | $4,248-51.9% |
| Participant deferral / active EE | $7,774 | $6,134+26.7% | $5,467+42.2% | $6,531+19.0% |
| Admin fee / account holder | $616 | $18,825-96.7% | $16,047-96.2% | $14,480-95.7% |