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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 | $37,237 | $232,540-84.0% | $185,117-79.9% | $147,586-74.8% |
| Participation rate | 66.7% | 82.4%-15.7pp | 77.3%-10.6pp | 82.8%-16.2pp |
| Annual return | 29.30% | 43.03%-13.7pp | 40.50%-11.2pp | 578.59%-549.3pp |
| Employer contribution / active EE | $808 | $5,195-84.4% | $4,182-80.7% | $4,876-83.4% |
| Participant deferral / active EE | $7,176 | $5,834+23.0% | $5,045+42.2% | $5,439+31.9% |
| Admin fee / account holder | $2,776 | $10,275-73.0% | $8,159-66.0% | $10,886-74.5% |