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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 | $75,052 | $135,956-44.8% | $123,894-39.4% | $273,972-72.6% |
| Participation rate | 63.2% | 84.1%-20.9pp | 81.4%-18.3pp | 83.0%-19.9pp |
| Annual return | 13.89% | 56.63%-42.7pp | 47.52%-33.6pp | 41.46%-27.6pp |
| Employer contribution / active EE | $1,863 | $5,170-64.0% | $4,617-59.6% | $4,869-61.7% |
| Participant deferral / active EE | $4,642 | $6,343-26.8% | $5,984-22.4% | $5,287-12.2% |
| Admin fee / account holder | $3,588 | $9,817-63.5% | $8,357-57.1% | $10,133-64.6% |