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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 | $42,418 | $106,247-60.1% | $96,515-56.0% | $139,466-69.6% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 17.54% | 38.47%-20.9pp | 35.73%-18.2pp | 373.66%-356.1pp |
| Employer contribution / active EE | $2,129 | $4,106-48.1% | $3,740-43.1% | $4,754-55.2% |
| Participant deferral / active EE | $8,913 | $5,456+63.4% | $4,880+82.7% | $6,712+32.8% |
| Admin fee / account holder | $696 | $7,885-91.2% | $6,735-89.7% | $11,409-93.9% |