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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 | $63,216 | $110,337-42.7% | $102,383-38.3% | $145,877-56.7% |
| Participation rate | 69.2% | 77.9%-8.7pp | 74.5%-5.3pp | 80.3%-11.1pp |
| Annual return | 14.33% | 24.83%-10.5pp | 24.94%-10.6pp | 551.28%-537.0pp |
| Employer contribution / active EE | $2,255 | $4,216-46.5% | $3,870-41.7% | $4,663-51.6% |
| Participant deferral / active EE | $9,651 | $5,621+71.7% | $5,060+90.7% | $6,691+44.2% |
| Admin fee / account holder | $3,405 | $9,750-65.1% | $8,391-59.4% | $13,402-74.6% |