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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 | $68,984 | $111,814-38.3% | $103,378-33.3% | $145,978-52.7% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 11.66% | 24.80%-13.1pp | 24.91%-13.3pp | 550.52%-538.9pp |
| Employer contribution / active EE | $1,491 | $4,215-64.6% | $3,870-61.5% | $4,662-68.0% |
| Participant deferral / active EE | $2,686 | $5,618-52.2% | $5,058-46.9% | $6,690-59.9% |
| Admin fee / account holder | $709 | $9,764-92.7% | $8,401-91.6% | $13,400-94.7% |