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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 | $72,147 | $176,794-59.2% | $146,647-50.8% | $167,553-56.9% |
| Participation rate | 68.2% | 83.6%-15.4pp | 80.1%-11.9pp | 82.1%-13.9pp |
| Annual return | 24.81% | 24.04%+0.8pp | 22.75%+2.1pp | 478.89%-454.1pp |
| Employer contribution / active EE | $2,749 | $5,161-46.7% | $4,137-33.5% | $4,840-43.2% |
| Participant deferral / active EE | $6,787 | $6,440+5.4% | $5,506+23.3% | $6,343+7.0% |
| Admin fee / account holder | $3,469 | $13,262-73.8% | $10,281-66.3% | $12,316-71.8% |