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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 | $71,166 | $110,379-35.5% | $102,412-30.5% | $145,884-51.2% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.5%-14.5pp | 80.3%-20.3pp |
| Annual return | 12.78% | 24.84%-12.1pp | 24.94%-12.2pp | 551.85%-539.1pp |
| Employer contribution / active EE | $2,714 | $4,216-35.6% | $3,870-29.9% | $4,662-41.8% |
| Participant deferral / active EE | $4,823 | $5,622-14.2% | $5,060-4.7% | $6,690-27.9% |
| Admin fee / account holder | $4,843 | $9,745-50.3% | $8,388-42.3% | $13,392-63.8% |