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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 | $79,001 | $91,559-13.7% | $133,978-41.0% | $79,856-1.1% |
| Participation rate | 51.7% | 73.3%-21.6pp | 79.8%-28.1pp | 69.6%-17.9pp |
| Annual return | 12.63% | 61.85%-49.2pp | 45.10%-32.5pp | 31.71%-19.1pp |
| Employer contribution / active EE | $673 | $2,384-71.8% | $3,919-82.8% | $2,471-72.8% |
| Participant deferral / active EE | $2,427 | $3,734-35.0% | $5,047-51.9% | $3,741-35.1% |
| Admin fee / account holder | $5,661 | $6,321-10.4% | $8,930-36.6% | $5,306+6.7% |