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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 | $91,166 | $127,779-28.7% | $106,551-14.4% | $167,518-45.6% |
| Participation rate | 61.5% | 78.3%-16.7pp | 76.1%-14.6pp | 82.1%-20.6pp |
| Annual return | 21.64% | 33.87%-12.2pp | 26.80%-5.2pp | 478.71%-457.1pp |
| Employer contribution / active EE | $2,276 | $3,427-33.6% | $2,819-19.3% | $4,838-53.0% |
| Participant deferral / active EE | $2,394 | $5,088-53.0% | $4,398-45.6% | $6,342-62.3% |
| Admin fee / account holder | $6,449 | $11,228-42.6% | $7,408-12.9% | $12,312-47.6% |