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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 | $62,629 | $100,262-37.5% | $81,370-23.0% | $145,897-57.1% |
| Participation rate | 66.7% | 74.3%-7.6pp | 69.5%-2.9pp | 80.3%-13.6pp |
| Annual return | 22.62% | 34.52%-11.9pp | 24.85%-2.2pp | 552.29%-529.7pp |
| Employer contribution / active EE | $1,401 | $2,979-53.0% | $2,464-43.1% | $4,663-69.9% |
| Participant deferral / active EE | $4,900 | $4,612+6.2% | $3,885+26.1% | $6,689-26.7% |
| Admin fee / account holder | $524 | $8,163-93.6% | $5,749-90.9% | $13,390-96.1% |