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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 | $62,127 | $157,296-60.5% | $141,191-56.0% | $152,897-59.4% |
| Participation rate | 68.8% | 84.8%-16.1pp | 82.5%-13.7pp | 82.5%-13.7pp |
| Annual return | 16.34% | 64.34%-48.0pp | 71.41%-55.1pp | 345.43%-329.1pp |
| Employer contribution / active EE | $1,719 | $5,262-67.3% | $4,736-63.7% | $4,764-63.9% |
| Participant deferral / active EE | $6,789 | $7,111-4.5% | $6,710+1.2% | $5,851+16.0% |
| Admin fee / account holder | $1,503 | $12,125-87.6% | $10,264-85.4% | $11,599-87.0% |