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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 | $72,802 | $110,337-34.0% | $102,383-28.9% | $145,877-50.1% |
| Participation rate | 40.0% | 77.9%-37.9pp | 74.5%-34.5pp | 80.3%-40.3pp |
| Annual return | 13.53% | 24.83%-11.3pp | 24.94%-11.4pp | 551.28%-537.8pp |
| Employer contribution / active EE | $905 | $4,216-78.5% | $3,870-76.6% | $4,663-80.6% |
| Participant deferral / active EE | $5,058 | $5,621-10.0% | $5,0600% | $6,691-24.4% |
| Admin fee / account holder | $535 | $9,750-94.5% | $8,391-93.6% | $13,402-96.0% |