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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 | $52,438 | $111,814-53.1% | $103,378-49.3% | $145,978-64.1% |
| Participation rate | 68.4% | 77.9%-9.5pp | 74.5%-6.1pp | 80.3%-11.9pp |
| Annual return | 12.46% | 24.80%-12.3pp | 24.91%-12.4pp | 550.52%-538.1pp |
| Employer contribution / active EE | $3,602 | $4,215-14.5% | $3,870-6.9% | $4,662-22.7% |
| Participant deferral / active EE | $6,237 | $5,618+11.0% | $5,058+23.3% | $6,690-6.8% |
| Admin fee / account holder | $1,835 | $9,764-81.2% | $8,401-78.2% | $13,400-86.3% |