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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 | $106,864-25.4% | $147,318-45.9% | $82,637-3.6% |
| Participation rate | 64.9% | 75.5%-10.6pp | 82.1%-17.2pp | 68.1%-3.2pp |
| Annual return | 22.03% | 27.49%-5.5pp | 70.43%-48.4pp | 53.51%-31.5pp |
| Employer contribution / active EE | $5,280 | $3,417+54.5% | $4,593+15.0% | $2,552+106.9% |
| Participant deferral / active EE | $7,593 | $6,496+16.9% | $7,906-4.0% | $4,126+84.0% |
| Admin fee / account holder | $1,182 | $8,415-85.9% | $13,708-91.4% | $7,339-83.9% |