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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 | $38,501 | $90,509-57.5% | $78,693-51.1% | $273,968-85.9% |
| Participation rate | 66.7% | 76.5%-9.9pp | 73.6%-6.9pp | 83.0%-16.3pp |
| Annual return | 23.51% | 75.61%-52.1pp | 62.18%-38.7pp | 41.45%-17.9pp |
| Employer contribution / active EE | $1,923 | $3,175-39.4% | $2,850-32.5% | $4,869-60.5% |
| Participant deferral / active EE | $3,851 | $3,901-1.3% | $3,517+9.5% | $5,287-27.2% |
| Admin fee / account holder | $8,323 | $5,264+58.1% | $4,511+84.5% | $10,132-17.9% |