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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 | $97,078-37.5% | $103,065-41.1% | $145,897-58.4% |
| Participation rate | 64.3% | 81.1%-16.9pp | 80.6%-16.3pp | 80.3%-16.0pp |
| Annual return | 17.41% | 25.49%-8.1pp | 23.95%-6.5pp | 552.29%-534.9pp |
| Employer contribution / active EE | $2,404 | $4,680-48.6% | $4,675-48.6% | $4,663-48.4% |
| Participant deferral / active EE | $5,712 | $6,601-13.5% | $6,625-13.8% | $6,689-14.6% |
| Admin fee / account holder | $1,033 | $12,505-91.7% | $9,349-88.9% | $13,390-92.3% |