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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 | $79,688 | $106,524-25.2% | $152,301-47.7% | $87,485-8.9% |
| Participation rate | 64.9% | 75.8%-10.9pp | 82.4%-17.6pp | 68.9%-4.1pp |
| Annual return | 22.03% | 26.89%-4.9pp | 80.50%-58.5pp | 26.06%-4.0pp |
| Employer contribution / active EE | $5,280 | $3,371+56.6% | $4,624+14.2% | $2,596+103.4% |
| Participant deferral / active EE | $7,593 | $6,525+16.4% | $8,004-5.1% | $4,274+77.7% |
| Admin fee / account holder | $1,182 | $8,287-85.7% | $14,398-91.8% | $7,775-84.8% |