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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 | $60,703 | $97,750-37.9% | $103,464-41.3% | $145,959-58.4% |
| Participation rate | 64.3% | 81.1%-16.8pp | 80.5%-16.2pp | 80.3%-16.0pp |
| Annual return | 17.41% | 25.43%-8.0pp | 23.91%-6.5pp | 561.95%-544.5pp |
| Employer contribution / active EE | $2,404 | $4,685-48.7% | $4,677-48.6% | $4,661-48.4% |
| Participant deferral / active EE | $5,712 | $6,603-13.5% | $6,624-13.8% | $6,689-14.6% |
| Admin fee / account holder | $1,033 | $12,515-91.7% | $9,410-89.0% | $13,398-92.3% |