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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 | $71,864 | $81,208-11.5% | $98,920-27.4% | $79,852-10.0% |
| Participation rate | 37.0% | 72.5%-35.5pp | 76.0%-39.1pp | 69.6%-32.7pp |
| Annual return | 21.51% | 60.99%-39.5pp | 196.47%-175.0pp | 31.72%-10.2pp |
| Employer contribution / active EE | $664 | $1,960-66.1% | $2,689-75.3% | $2,471-73.1% |
| Participant deferral / active EE | $1,417 | $3,265-56.6% | $4,245-66.6% | $3,740-62.1% |
| Admin fee / account holder | $5,497 | $6,013-8.6% | $6,643-17.2% | $5,306+3.6% |