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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 | $82,980 | $201,370-58.8% | $184,256-55.0% | $145,897-43.1% |
| Participation rate | 60.0% | 87.5%-27.5pp | 86.8%-26.8pp | 80.3%-20.3pp |
| Annual return | 10.91% | 29.05%-18.1pp | 28.85%-17.9pp | 552.29%-541.4pp |
| Employer contribution / active EE | $1,948 | $7,024-72.3% | $6,427-69.7% | $4,663-58.2% |
| Participant deferral / active EE | $10,098 | $9,808+3.0% | $9,133+10.6% | $6,689+51.0% |
| Admin fee / account holder | $1,618 | $16,364-90.1% | $13,899-88.4% | $13,390-87.9% |