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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 | $56,511 | $93,346-39.5% | $71,796-21.3% | $273,972-79.4% |
| Participation rate | 61.5% | 76.5%-15.0pp | 69.1%-7.6pp | 83.0%-21.5pp |
| Annual return | 6.53% | 130.39%-123.9pp | 78.04%-71.5pp | 41.46%-34.9pp |
| Employer contribution / active EE | $1,386 | $2,733-49.3% | $1,924-28.0% | $4,869-71.5% |
| Participant deferral / active EE | $1,837 | $3,475-47.1% | $2,794-34.3% | $5,287-65.3% |
| Admin fee / account holder | $6,433 | $6,571-2.1% | $4,815+33.6% | $10,133-36.5% |