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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 | $63,092 | $77,416-18.5% | $69,464-9.2% | $152,897-58.7% |
| Participation rate | 62.5% | 78.1%-15.6pp | 74.6%-12.1pp | 82.5%-20.0pp |
| Annual return | 22.51% | 39.08%-16.6pp | 28.98%-6.5pp | 345.43%-322.9pp |
| Employer contribution / active EE | $1,690 | $3,315-49.0% | $2,779-39.2% | $4,764-64.5% |
| Participant deferral / active EE | $2,498 | $4,413-43.4% | $3,536-29.3% | $5,851-57.3% |
| Admin fee / account holder | $1,703 | $6,208-72.6% | $3,840-55.7% | $11,599-85.3% |