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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 | $86,841 | $117,846-26.3% | $102,434-15.2% | $145,884-40.5% |
| Participation rate | 61.9% | 78.6%-16.7pp | 76.5%-14.6pp | 80.3%-18.4pp |
| Annual return | 14.64% | 31.90%-17.3pp | 29.46%-14.8pp | 551.85%-537.2pp |
| Employer contribution / active EE | $997 | $3,615-72.4% | $3,023-67.0% | $4,662-78.6% |
| Participant deferral / active EE | $3,417 | $5,733-40.4% | $5,055-32.4% | $6,690-48.9% |
| Admin fee / account holder | $6,540 | $13,356-51.0% | $9,462-30.9% | $13,392-51.2% |