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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 | $86,269 | $117,829-26.8% | $102,423-15.8% | $145,877-40.9% |
| Participation rate | 69.2% | 78.6%-9.4pp | 76.5%-7.3pp | 80.3%-11.1pp |
| Annual return | 18.17% | 31.83%-13.7pp | 29.42%-11.3pp | 551.28%-533.1pp |
| Employer contribution / active EE | $2,126 | $3,615-41.2% | $3,023-29.7% | $4,663-54.4% |
| Participant deferral / active EE | $3,624 | $5,732-36.8% | $5,054-28.3% | $6,691-45.8% |
| Admin fee / account holder | $1,343 | $13,335-89.9% | $9,455-85.8% | $13,402-90.0% |