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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 | $61,531 | $93,589-34.3% | $135,942-54.7% | $75,181-18.2% |
| Participation rate | 59.5% | 75.2%-15.7pp | 81.9%-22.4pp | 67.2%-7.7pp |
| Annual return | 21.46% | 30.90%-9.4pp | 68.28%-46.8pp | 160.69%-139.2pp |
| Employer contribution / active EE | $2,096 | $3,537-40.7% | $4,858-56.8% | $2,671-21.5% |
| Participant deferral / active EE | $6,368 | $6,405-0.6% | $7,759-17.9% | $4,126+54.3% |
| Admin fee / account holder | $8,707 | $6,977+24.8% | $10,764-19.1% | $5,650+54.1% |