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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 | $52,153 | $176,831-70.5% | $146,674-64.4% | $167,497-68.9% |
| Participation rate | 66.7% | 83.6%-17.0pp | 80.1%-13.4pp | 82.1%-15.4pp |
| Annual return | 13.38% | 24.04%-10.7pp | 22.75%-9.4pp | 478.62%-465.2pp |
| Employer contribution / active EE | $3,323 | $5,161-35.6% | $4,137-19.7% | $4,838-31.3% |
| Participant deferral / active EE | $5,295 | $6,440-17.8% | $5,506-3.8% | $6,341-16.5% |
| Admin fee / account holder | $3,395 | $13,261-74.4% | $10,280-67.0% | $12,310-72.4% |