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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 | $60,325 | $110,410-45.4% | $102,437-41.1% | $145,897-58.7% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 14.71% | 24.85%-10.1pp | 24.95%-10.2pp | 552.29%-537.6pp |
| Employer contribution / active EE | $2,119 | $4,217-49.8% | $3,871-45.3% | $4,663-54.6% |
| Participant deferral / active EE | $8,003 | $5,622+42.4% | $5,060+58.2% | $6,689+19.6% |
| Admin fee / account holder | $1,204 | $9,745-87.6% | $8,388-85.6% | $13,390-91.0% |