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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 | $49,620 | $110,337-55.0% | $102,383-51.5% | $145,877-66.0% |
| Participation rate | 58.8% | 77.9%-19.1pp | 74.5%-15.7pp | 80.3%-21.5pp |
| Annual return | 16.43% | 24.83%-8.4pp | 24.94%-8.5pp | 551.28%-534.9pp |
| Employer contribution / active EE | $2,797 | $4,216-33.6% | $3,870-27.7% | $4,663-40.0% |
| Participant deferral / active EE | $5,869 | $5,621+4.4% | $5,060+16.0% | $6,691-12.3% |
| Admin fee / account holder | $3,416 | $9,750-65.0% | $8,391-59.3% | $13,402-74.5% |