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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 | $80,761 | $111,814-27.8% | $103,378-21.9% | $145,978-44.7% |
| Participation rate | 45.5% | 77.9%-32.5pp | 74.5%-29.1pp | 80.3%-34.8pp |
| Annual return | 10.14% | 24.80%-14.7pp | 24.91%-14.8pp | 550.52%-540.4pp |
| Employer contribution / active EE | $5,794 | $4,215+37.5% | $3,870+49.7% | $4,662+24.3% |
| Participant deferral / active EE | $3,827 | $5,618-31.9% | $5,058-24.3% | $6,690-42.8% |
| Admin fee / account holder | $3,739 | $9,764-61.7% | $8,401-55.5% | $13,400-72.1% |