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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 | $44,532 | $172,111-74.1% | $150,298-70.4% | $137,256-67.6% |
| Participation rate | 66.7% | 81.7%-15.0pp | 77.8%-11.1pp | 80.0%-13.3pp |
| Annual return | 19.98% | 69.37%-49.4pp | 62.79%-42.8pp | 220.34%-200.4pp |
| Employer contribution / active EE | $1,381 | $4,636-70.2% | $4,154-66.8% | $4,156-66.8% |
| Participant deferral / active EE | $6,825 | $6,166+10.7% | $5,453+25.2% | $6,407+6.5% |
| Admin fee / account holder | $1,565 | $16,471-90.5% | $14,116-88.9% | $12,270-87.2% |