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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 | $44,632 | $110,379-59.6% | $102,412-56.4% | $145,884-69.4% |
| Participation rate | 68.4% | 77.9%-9.5pp | 74.5%-6.1pp | 80.3%-11.9pp |
| Annual return | 21.73% | 24.84%-3.1pp | 24.94%-3.2pp | 551.85%-530.1pp |
| Employer contribution / active EE | $2,069 | $4,216-50.9% | $3,870-46.5% | $4,662-55.6% |
| Participant deferral / active EE | $5,424 | $5,622-3.5% | $5,060+7.2% | $6,690-18.9% |
| Admin fee / account holder | $2,346 | $9,745-75.9% | $8,388-72.0% | $13,392-82.5% |