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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 | $68,255 | $100,003-31.7% | $146,685-53.5% | $85,856-20.5% |
| Participation rate | 56.8% | 73.1%-16.2pp | 80.1%-23.3pp | 69.3%-12.5pp |
| Annual return | 19.73% | 18.93%+0.8pp | 22.75%-3.0pp | 318.58%-298.9pp |
| Employer contribution / active EE | $1,683 | $2,559-34.3% | $4,137-59.3% | $2,565-34.4% |
| Participant deferral / active EE | $4,324 | $4,006+7.9% | $5,507-21.5% | $3,952+9.4% |
| Admin fee / account holder | $1,764 | $7,704-77.1% | $10,281-82.8% | $6,261-71.8% |