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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 | $68,690 | $123,155-44.2% | $108,753-36.8% | $155,188-55.7% |
| Participation rate | 62.5% | 75.6%-13.1pp | 71.1%-8.6pp | 80.8%-18.3pp |
| Annual return | 50.76% | 44.73%+6.0pp | 37.47%+13.3pp | 148.84%-98.1pp |
| Employer contribution / active EE | $1,601 | $2,811-43.1% | $2,427-34.0% | $4,248-62.3% |
| Participant deferral / active EE | $4,051 | $4,623-12.4% | $4,115-1.6% | $6,531-38.0% |
| Admin fee / account holder | $824 | $12,126-93.2% | $10,320-92.0% | $14,480-94.3% |