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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 | $42,761 | $110,410-61.3% | $102,437-58.3% | $145,897-70.7% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.5%-14.5pp | 80.3%-20.3pp |
| Annual return | 16.16% | 24.85%-8.7pp | 24.95%-8.8pp | 552.29%-536.1pp |
| Employer contribution / active EE | $2,717 | $4,217-35.6% | $3,871-29.8% | $4,663-41.7% |
| Participant deferral / active EE | $5,914 | $5,622+5.2% | $5,060+16.9% | $6,689-11.6% |
| Admin fee / account holder | $2,505 | $9,745-74.3% | $8,388-70.1% | $13,390-81.3% |