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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 | $79,954 | $125,778-36.4% | $114,563-30.2% | $154,746-48.3% |
| Participation rate | 54.5% | 75.2%-20.6pp | 72.9%-18.4pp | 80.7%-26.2pp |
| Annual return | 22.50% | 295.14%-272.6pp | 241.09%-218.6pp | 172.34%-149.8pp |
| Employer contribution / active EE | $1,888 | $2,806-32.7% | $2,592-27.2% | $4,379-56.9% |
| Participant deferral / active EE | $4,421 | $4,445-0.5% | $4,142+6.7% | $6,730-34.3% |
| Admin fee / account holder | $702 | $8,190-91.4% | $7,623-90.8% | $14,365-95.1% |