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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 | $66,627 | $210,343-68.3% | $153,432-56.6% | $145,959-54.4% |
| Participation rate | 69.2% | 82.1%-12.9pp | 77.1%-7.8pp | 80.3%-11.1pp |
| Annual return | 12.82% | 13.38%-0.6pp | 15.66%-2.8pp | 561.95%-549.1pp |
| Employer contribution / active EE | $3,151 | $6,047-47.9% | $5,038-37.5% | $4,661-32.4% |
| Participant deferral / active EE | $3,405 | $7,977-57.3% | $6,757-49.6% | $6,689-49.1% |
| Admin fee / account holder | $10,165 | $19,424-47.7% | $12,725-20.1% | $13,398-24.1% |