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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 | $87,741 | $117,904-25.6% | $102,457-14.4% | $145,978-39.9% |
| Participation rate | 61.9% | 78.6%-16.7pp | 76.5%-14.6pp | 80.3%-18.4pp |
| Annual return | 15.08% | 31.80%-16.7pp | 29.41%-14.3pp | 550.52%-535.4pp |
| Employer contribution / active EE | $2,283 | $3,613-36.8% | $3,022-24.5% | $4,662-51.0% |
| Participant deferral / active EE | $6,470 | $5,733+12.8% | $5,054+28.0% | $6,690-3.3% |
| Admin fee / account holder | $560 | $13,329-95.8% | $9,451-94.1% | $13,400-95.8% |