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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 | $52,733 | $114,013-53.7% | $103,693-49.1% | $155,188-66.0% |
| Participation rate | 60.0% | 75.2%-15.2pp | 72.6%-12.6pp | 80.8%-20.8pp |
| Annual return | 19.11% | 49.31%-30.2pp | 47.61%-28.5pp | 148.84%-129.7pp |
| Employer contribution / active EE | $2,208 | $3,131-29.5% | $2,920-24.4% | $4,248-48.0% |
| Participant deferral / active EE | $2,715 | $4,970-45.4% | $4,579-40.7% | $6,531-58.4% |
| Admin fee / account holder | $7,567 | $8,407-10.0% | $7,858-3.7% | $14,480-47.7% |