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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 | $46,198 | $124,330-62.8% | $109,173-57.7% | $167,536-72.4% |
| Participation rate | 66.7% | 79.5%-12.8pp | 75.9%-9.2pp | 82.1%-15.4pp |
| Annual return | 14.70% | 26.04%-11.3pp | 25.75%-11.1pp | 478.82%-464.1pp |
| Employer contribution / active EE | $3,021 | $4,209-28.2% | $3,723-18.8% | $4,839-37.6% |
| Participant deferral / active EE | $7,546 | $5,256+43.6% | $4,654+62.1% | $6,342+19.0% |
| Admin fee / account holder | $1,979 | $7,974-75.2% | $6,755-70.7% | $12,315-83.9% |