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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 | $107,421-25.8% | $182,262-56.3% | $94,015-15.2% |
| Participation rate | 64.9% | 77.8%-12.9pp | 84.2%-19.4pp | 70.8%-6.0pp |
| Annual return | 22.03% | 21.32%+0.7pp | 140.60%-118.6pp | 17.84%+4.2pp |
| Employer contribution / active EE | $5,280 | $3,448+53.1% | $5,046+4.6% | $2,790+89.2% |
| Participant deferral / active EE | $7,593 | $6,558+15.8% | $8,276-8.3% | $4,249+78.7% |
| Admin fee / account holder | $1,182 | $8,692-86.4% | $16,712-92.9% | $8,951-86.8% |