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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 | $51,968 | $96,731-46.3% | $123,973-58.1% | $86,983-40.3% |
| Participation rate | 58.1% | 70.0%-12.0pp | 76.7%-18.6pp | 69.5%-11.5pp |
| Annual return | 16.59% | 17.33%-0.7pp | 388.13%-371.5pp | 25.83%-9.2pp |
| Employer contribution / active EE | $2,203 | $3,297-33.2% | $4,126-46.6% | $2,584-14.8% |
| Participant deferral / active EE | $4,935 | $4,152+18.9% | $5,247-5.9% | $4,194+17.7% |
| Admin fee / account holder | $7,413 | $8,722-15.0% | $11,799-37.2% | $7,856-5.6% |