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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 | $83,056 | $124,980-33.5% | $108,359-23.4% | $154,746-46.3% |
| Participation rate | 66.7% | 75.2%-8.5pp | 70.1%-3.5pp | 80.7%-14.0pp |
| Annual return | 19.88% | 45.00%-25.1pp | 36.89%-17.0pp | 172.34%-152.5pp |
| Employer contribution / active EE | $8,039 | $2,851+182.0% | $2,399+235.0% | $4,379+83.6% |
| Participant deferral / active EE | $2,782 | $4,743-41.3% | $4,137-32.7% | $6,730-58.7% |
| Admin fee / account holder | $9,146 | $11,502-20.5% | $9,741-6.1% | $14,365-36.3% |